Small Business Loans for Florists

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Best Funding Options for the Florist Business

The florist business is always in need of capital due to the industry’s nature and unique challenges. Flower shops have a lot to manage when operating a florist business, like getting capital to help cash flow to balance the Inventory of flowers versus orders coming in. You often have to purchase supplies and meet payroll before funds come in from clients.

Traditional banks can make it challenging to get funding for small business owners in the florist field. It’s no secret that it’s hard for a business owner to get the chance to receive a loan, or any financing, for that matter, from banks.

AdvancePoint Capital can provide that working capital to a flower shop like yours, so you focus on running your business and make it grow. There are many financing options we offer that business owners can use to their benefit.

Finding the right small business funding that works best for your business may take some guidance. That’s why we put together the eight best small business loan options for funding in the florist business. Each of these small business funding options offers unique benefits and qualities that may work for your flower shop to help your business blossom. Let’s take a look.

The 8 Best Small Business Financing Options your Flower Shop

Long-term business loans have a repayment duration of two years or greater. These florist business loans offer a fixed lump sum upfront, repaid over an extended period (2 to 10 years), with the costs based on a principal and interest rate. Long-term business loans are usually for large expansion projects that require financing. Lenders do have tougher credit requirements than other options.


Product Information

Rates: Interest rates starting treasury index plus 1% to 2.5% (currently 5.5%)
Terms: 2 to 10 years
Fees: Origination fees 0% to 3%
Payments: Monthly or bi-weekly payments
Credit Standards: All types considered, good to excellent preferred


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A small business line of credit is an open, revolving line that allows florist small business owners to draw funds when needed on-demand and make purchases up to a certain limit. Small business lines of credit require renewal, either semi-annually or annually, to be extended.

A business line of credit is great for cash flow concerns. The most significant benefit of this funding product for a florist shop is its flexibility, allowing you to draw funds at any time up to a limit. This product comes in handy when you have to buy flowers in bulk in a hurry and need cash.


Product Information

Rates: Starts at treasury or prime rate index plus 1% to 2.5%
Terms: Open revolving line
Fees: Origination fees 0% to 3%
Payments: Monthly, bi-weekly or weekly payments
Credit Standards: All types considered, good to excellent preferred
Application Process: One-page application, bank statements


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The Small Business Administration (SBA) is a federal government agency that provides programs, guidelines, and loan guarantees to approved lenders for business loans. The SBA is not a lender and merely provides security for approved lenders to take on the risk of business lending with attractive rates and terms that could not normally be afforded to small businesses.

Without the Small Business Administration (SBA) to provide guarantees, the approved lender would not be comfortable lending under the Small Business Administration (SBA) terms. The Small Business Administration’s loans are very popular but difficult to acquire due to the lender’s requirements, guidelines, and restrictions. AdvancePoint Capital can help guide florists through the process in a clear, fast, and efficient manner to have the best likely hood of approval.


Most Popular SBA Loan Programs:

  • Standard 7(a) SBA Loan Program – This is the SBA’s primary program designed to provide working capital to small businesses. Like the guaranty percentage and loan amount, the terms and conditions may vary by the type of loans to small businesses.
  • 504 SBA Loan Program – This is a powerful commercial real estate loan program that will provide small businesses another avenue for business financing while promoting business growth and job creation.
  • Paycheck Protection Program (PPP) SBA Loan – The Small Business Administration (SBA) established the new SBA Paycheck Protection Program loan to provide funding to small businesses affected by the COVID-19 crisis. Contact AdvancePoint Capital for additional information about this disaster relief option.


Product Information

Rates: Rates starting at treasury index plus 1% to 2.5%
Terms: 3 to 25 years
Fees: Origination fees range from 0% to 3%
Payments: Fixed monthly payments
Credit Standards: Good to excellent preferred, but all types considered.
Documentation: You will need to provide complete documentation. Application, six months of business bank statements, two years of business tax returns, year-to-date profit & loss, and a balance sheet, and more documents may be requested upon review.


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Business credit cards are open lines of revolving credit that offer principal and interest rates with a set limit. A card is issued and can be used for making payments or purchases. It is not uncommon for a flower shop to utilize business cards as well as other business financing options when in need of cash flow.


Product Information

Rates: Introductory rates starting at 0% up to 28.99% (based on prime rate)
Terms: Open revolving line with a set limit
Fees: Annual fees range from $0 to $500
Payments: Flexible monthly payments
Credit Standards: Must have good to excellent rating and deep credit history


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Short-term business loans are loans that have a repayment duration of 6 to 18 months. Short-term business loans feature a fixed lump sum of money offered, with a fixed payback amount calculated using a factor rate. This type of florist business loan is popular with florist owners that cannot get approved through traditional means because of documentation requirements or credit tolerances.


Product Information

Rates: Factor rates ranging from 1.09% up to 1.45%
Terms: 6 to 18 months in duration (typically 12 months or less)
Fees: Origination fees 0% to 5%
Payments: Weekly, bi-weekly, and in some cases, daily
Credit Standards: All types considered
Application Process: One-page application, bank statements


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Business cash advances (BCA) are a type of purchase of future sales agreement that advances future sales at a discount. The business is responsible for paying back a fixed amount (also known as a specified amount).

The difference between the advance amount and the specified amount is called the “factor rate or cost.” A fixed percentage of future overall sale deposits is the method used for repayment. The payments are collected by an ACH fixed daily or weekly from the business bank account based on the specified percentage of future deposits.

Reconciliation can occur at the end of every month. If the fixed payments taken are more than the set percentage of deposits in the agreement, a business owner can request a refund to the business for the overpayment. This way, the set specified percentage of revenue matches the sales volumes. That’s what makes it an advance and not a loan.


Product Information

Rates: Factor rates from 1.09% up to 1.45%
Repayment Terms: No term limits as its an advance (payoff depends on future revenues)
Fees: Origination fees that range 0% to 5%
Payments: Weekly or daily
Credit Standards: All types considered
Application Process: One-page application form, bank statements


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A merchant cash advance (MCA) is also known as a purchase of future sales agreement that operates very similarly to a BCA. The most significant difference is the repayment process, which is connected to the future credit card revenue instead of overall deposits.

No fixed payment is deducted from the business bank account. The set percentage of future card sales method is used for payment. That’s what makes it an advance and not a loan. A flower shop may use this option because most of the prescription sales payments come from credit cards.


Product Information

Rates: Factor rates 1.09% up to 1.45%
Terms: No term limits as its an advance and not a loan (payoff depends on future revenues)
Fees: Origination fees range from 0% to 3%
Payments: Fixed percentage of future credit card revenues as payment
Credit Standards: All types considered
Application Process: One-page application, bank statements, merchant processing statements


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Equipment financing is used for the purchase of equipment, securing the equipment as collateral. This type of funding comes in the form of a loan or a lease. They are commonly used by a flower shop for financing refrigeration units.


Product Information

Rates: Factor rates 1.09% up to 1.45% or interest rate’s 4.5%-28%
Terms: 2 to 10 years
Fees: Origination fees range from 0% to 3%
Payments: Monthly fixed payments
Credit Standards: Good to excellent credit required
Time Frames: Same day to 3 days depending on the lender


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The fast, convenient, and straightforward way to get the funding you need for your florist business – now!
Get your business a quote and more information today by filling out the simple form on our website.

Benefits of Financing for Flower Shops: Why Flower Shop Loans?

Working Capital/Cash Flow

Flower shop services can be complex. Florist shop owners need to balance customers, inventory purchases, employee payroll, which impacts cash flow.


Inventory financing for flowers. When holidays or special occasions come along like Valentine’s Day, Mother’s Day, or special events for loved ones like weddings, large quantities of inventory are sometimes needed for flowers/arrangements that cash flow alone can’t support purchasing.

Renovations/Facility Maintenance

When running a florist shop, the facility needs to have a customer experience that is appealing, accessible, and convenient. Flower shop owners may need to renovate the facility to draw in or maintain customers against the competition. Projects such as these require various florist shop loans. Real estate business loans may be necessary to improve the property due to the high costs of renovations.

Marketing and Advertising

Many florists need advertising to maintain and grow their customer base. Flower shop small business funding allows you to design and optimize a website for greater exposure and access to other marketing methods, including pay-per-click advertising, SEO, social media, and buying leads.

Sometimes you will need an employee to manage a social media campaign showing your services regularly. Traditional outlets like radio, newspaper, and signage may also help grow your business.

Making Payroll

People are the heartbeat of florist businesses. As a flower shop grows, payroll will grow into something that must be managed and maintained with zero tolerance for cash flow shortages. Unexpected issues related to the flower shop receivables can put a business in a position they can’t afford, like missing a payroll. Small business funding is a way to ensure your people will always get paid.

Why AdvancePoint Capital?

We have experience with the flower shop industry. We’ve helped countless flower shops find small business funding that works best for their business. Our lender network and simple diverse range of flower shop loans and other financing opportunities give the florist the freedom and flexibility to find a financing solution that works for their flower shop regardless of the challenges.

With AdvancePoint Capital, you’ll get the benefit of florist industry professionals, experience, and a marketplace of lenders. Our simple application process and a trusted name in the small business loan industry. We make it easy to get started.


  • Experience – We have been funding the florist business for years.
  • Trust – Excellent reviews and feedback from florists
  • Loan Specialists – Experienced small business funding specialists who know the flower shop industry in and out
  • Quotes – We offer no cost, no commitment quotes
  • Products – A variety of flower shop loans through our lender network. We don’t just provide what we have; we offer what’s available in the marketplace.


Business financing can be intimidating, but it doesn’t have to be. Financial documentation may seem daunting if you’re dealing with a bank or lender — but with AdvancePoint Capital, we can find a small business funding option that will provide the best impact on your business. When banks say no, we say yes to business funding.

Frequently Asked Questions

Now that’s a loaded question. The figure will depend on location and whether you will lease or own space, and the size of your floral shop site, which will determine operating costs. Determining how you will get business may involve advertising and the services you offer as well.

Yes, there are flower shop funding options that you can take advantage of even if you have a poor credit history. A business line of credit, shorter-term options, and invoice financing are great options for florists struggling with creditworthiness.

It is possible to obtain startup financing for a flower shop, but the options may be more limited and difficult to qualify for. Banks will say no to startup funding, but the SBA has some incredible financing opportunities for startups. However, SBA financing is not easy to be eligible for and may require excellent credit health from businesses applying for financing.

Yes, it is possible to operate your florist services from home, but you still must follow the same steps in the process as if you had a location providing florist business services. The florist field does require trust for florist services, and having a location is probably preferable. Also, you end up missing out on the impact walk-up business for holidays like Valentine’s Day.

The Bottom Line. Why AdvancePoint?

When searching for a loan for your flower business, the bottom line is that florists have to evaluate all the financing products available in the marketplace. You shop for insurance companies, don’t you? The same goes for acquiring a florist shop loan. Bank loans aren’t always the way to go due to a lack of flexibility with lending based on credit, cash flow, and financials for loans that a bank would offer.

AdvancePoint Capital can take those challenges a florist shop may have at getting approved at banks and provide assistance to turn those problems into solutions with various loan programs from our lender network to help you choose the best option for your business.

The fast, convenient and straightforward way to get the money you need for your florist shop – now!

Get your quote today by filling out the simple form on our website.