Funding that keeps your shelves full.
The holidays make or break your year, and you need inventory on the floor well before shoppers arrive. Serving gift stores across Louisiana and Texas.
We know how gift stores really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeYou need holiday stock before the rush.
The fair fixSeasonal working capital to buy ahead and capture volume discounts.
The squeezeCash sits in unsold inventory for months.
The fair fixFixed, predictable payments you match to the way your sales flow.
The squeezeThe bank moves too slow for your buying window.
The fair fixA decision in 24 to 48 hours, with many deals funding in under a week.
What gift stores owners use it for
Put the capital where it moves the needle most.
Holiday and seasonal inventory
Gift wrap and packaging
Display and shelving fixtures
Point-of-sale systems
Storefront signage
Online store setup
What it takes to qualify
Most operators here use business capital — but if you're financing property or equipment, that path qualifies differently.
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Real Estate & Assets
- Credit generally 620+ (some programs start lower)
- Equity or down payment — up to ~80% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your gift stores business?
Two minutes, no obligation, no credit impact. Or call (337) 344-9939.
