Florist shop financing up to $450,000
We’ve helped many flower shop owners get critical funding. We can approve you for up to $450,000 within two business days. Check if your flower shop is eligible online now with no obligations, no impact on your credit score, and no fees.

The first flower shop in America was opened in the mid 19th century. At that time, there was significant demand for flowers to decorate public spaces and private homes. A group of entrepreneurs saw an opportunity to meet this demand and opened the first florist shops.
The demand for florists has continued to rise, as people love to receive flowers for all occasions. When you’re a florist, you need to meet the needs of your customers, which means having the right supplies and equipment. Florist loans can help you get the money you need to buy what you need and keep your business running smoothly.
What Are Florist Business Loans?
A florist business loan is a type of loan that is specifically designed for florists to use that can help sustain, grow or expand their business. These loans can be used in various ways – depending on your florist shop’s needs. What the funds can be used for may depend on the type of financing you pursue.

Ways to Use Florist Loans to Your Benefit
When you’re a florist, you need to meet the needs of your customers, which means having the right supplies and equipment. Flower shop loans can be used in a variety of ways, including:
Buy flowers and supplies: What good is a florist shop without flowers? Use a florist loan to purchase additional inventory and other necessary supplies to craft your flowers into beautiful arrangements.
Expand your business: Need to open a new location? No problem – you can use a florist loan to expand your operations to new areas. Purchase new property, fix up existing locations, or invest in new equipment to offer new floral arrangements. You can also use florist loans to hire additional staff.
Marketing and advertising: Need help attracting new customers? Utilize a loan to hire an outside marketing agency to help bring new customers to your flower shop. You can use the funds from your loan to run an ad campaign, offer incentives, or send our flyers to local residents.
Improve cash flow: If your florist business needs additional funding to help sustain things during down months while cash flow improves, you can use a loan to help bridge the gap.
What Flower Shop Financing Options Are Available?
There are a variety of business funding solutions available for your flower shop. Below you will find an overview of the most common solutions.
For newly established florist shop owners who don’t have a strong history in business, merchant cash advances can be a great way to borrow against your future earnings. Commercial advances for flower shops allow you to repay the borrowed amount through a percentage of sales rather than a fixed monthly payment. This option is great when sales are seasonal or don’t have consistent enough cash flow to qualify for other financing options.
Florist shop owners may also qualify for SBA loans through the Small Business Administration. These small business loans for florists are received as lump-sum payments, available to cover various business-related expenses. Getting approved for an SBA loan may be difficult for new small business owners, as they typically require small businesses to have a few years of financial history.
For smaller expenses, florists may also consider using business credit cards to cover necessary items such as vases, foam, decorative displays, and ribbons. If the amount charged is paid in full each month, no interest will be paid on the charged amount.
Lastly, utilizing a business line of credit (LOC) provides florists with a revolving line of credit that may help cover monthly expenses. As the LOC is repaid, additional funds become available, and you’ll only owe interest on the amount borrowed from the lender.

How Do Florist Business Loans Work?
Flower shop loans work just like loans for most other industries. Upon approval of an application by the lender, the applicant receives a lump sum payment for the amount they were approved for.
When a borrower has possession of funds, they are legally required to repay the total amount of the loan plus interest within a specific period of time. Payments are usually made monthly in fixed amounts specified in the loans agreement.
Flower Business owners can use financing to obtain the additional working capital they need until sales increase further.
Qualifying for Flower Shop Loan With the Best Rates
Financial institutions consider several factors when determining the interest rate to charge potential florist business owners. Among these factors are the type of loan, the loan duration, credit scores, credit histories, and current business assets. If your business finances and credit score are strong, you are more likely to be offered favorable rates.
How to Apply for the Best Florist Funding
Eligibility Requirements
To be approved by mCashAdvance™, the following requirements need to be met:
- Legal resident or U.S. citizen
- 18+ years old
- Your flower shop must be at least six months old
- 500+ credit score or higher
Funding Limits
Your company’s financial health is an essential factor to consider when determining your eligibility to receive funding, but you may be able to receive up to $750K.
Term Length
The repayment period is usually between 1 and 5 years. The repayment period can vary according to the amount provided and your flower sales.

Pros and Cons of Small Business Loans for Florists
One of the most significant benefits of using a business loan is that it can provide you with a lump sum of cash that you can use for any purpose you choose. This may include expanding your shop to new locations, purchasing inventory, marketing, and advertising, or covering other ordinary business expenses.
Another benefit of using a business loan is that it can help you build or improve your business credit score. A higher credit score can make it easier for you to obtain additional financing in the future if needed.
However, there are also some potential drawbacks to using business loans. One of the most significant drawbacks is that you can sometimes find yourself paying more for a business loan than what it’s worth in the long run. This is due to high-interest rates. The interest rate on your loan can vary depending on multiple factors, but it may be challenging to predict before applying for financing or receiving an offer from your lender.
Another potential drawback of using business financing is that it can be challenging to obtain one when your credit score or business finances are weak. This may require you to take on a personal loan to fund your flower shop instead, which can add additional expenses and complications into the mix.
Other Industries We Finance
Frequently Asked Questions for Florist Loans
Typically, you’ll need around $10,000-$30,000 to cover the basics of starting a flower shop. This includes purchasing flowers, vases, ribbons, foam, and other supplies necessary to create beautiful floral arrangements. You’ll also need money for marketing and advertising your business.
Opening a flower shop with no money can be challenging. Lenders typically like to see a business history before providing a loan. Personal lines of credit or accessing your personal assets such as your home are alternative financing strategies to open a flower shop with no money.
Traditional lenders typically like to see credit scores of 670+ for typical business financing options. However, you may qualify for alternative funding solutions, such as a merchant cash advance with a lower credit score.
The amount of funding a flower company can receive is typically determined by the lender based on business health, financial history, credit score, and time in business. Most businesses can receive between $100,000 and $250,000 unless they fail to meet the lending requirements.
There is no one-size-fits-all answer to this question, as the profitability of a flower shop depends on various factors, including the location, type of flowers sold, and the marketing and advertising strategy. However, most florists do make a profit, as flowers are a necessary item for many occasions.

Funding Your Business Is Our Business
Business Loans for a Flower Shop Can Help Grow Your Business
Business loans for a flower shop can help you grow your business in several ways. By providing you with the necessary working capital, these loans can help you purchase flowers and supplies, cover advertising costs, and make other improvements to your business.
Additionally, flower shop business loans typically have lower interest rates than credit cards so that they can save you money in the long run. For additional information on our funding solutions or to get started, please contact us to see how we can help.
Find The Best Payment Processing For Your Florists
Florist shops should make a point to collect credit card sales, since these sales prove that the flower shop is doing well and serve as a signal to lenders that your business is financially stable. mCashAdvance™ credit card processing for small business service is perfect for florists who do not currently accept credit cards. Within 48 hours of applying, florists can begin accepting credit cards. It is also a good idea to switch to mCashAdvance™ if the processing provider that your florist shop currently uses charges fees to process credit cards. By utilizing mCashAdvances™ no fee credit card processing services, your florist shop can save thousands of dollars every year.

Does Your Business Need Funding Today?
There’s no fee or obligation, and it won’t impact your credit.
$5,000 – $1,000,000
Talk to a rep at (855) 433-8641
Mon – Fri | 9:00am – 8:00pm