Funding that keeps every bin full.
Contractors and weekend fixers count on you to have the part in stock, which means deep inventory and cash tied up on the shelf. Serving hardware stores across Louisiana and Texas.
We know how hardware 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 squeezeDeep inventory locks up your cash for months.
The fair fixWorking capital to keep every aisle stocked without draining the register.
The squeezeStorm season demands sudden big buys.
The fair fixFast funding to load up on supplies when your community needs them most.
The squeezeThe bank drowns you in paperwork.
The fair fixFar less paperwork than a bank, with a decision in 24 to 48 hours.
What hardware stores owners use it for
Put the capital where it moves the needle most.
Tool and hardware inventory
Storm-season supply stock
Lumber and building materials
Forklift and equipment
Shelving and bin systems
Point-of-sale upgrades
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 hardware stores business?
Two minutes, no obligation, no credit impact. Or call (337) 344-9939.
