Funding for Flooring Contractors

Cover the material buy-in, staff the crew, and get to the next job — from $10K to $5M, approved on your deposits, funded in as little as 24 hours.

You front the floor before you ever see a payment

Flooring is a buy-in business. Before a single plank goes down, you're wiring a supplier for hardwood, LVP, tile, carpet, underlayment, and adhesive — often thousands of square feet at a time. Then you staff and pay a crew for the install. Then you wait 30, 60, sometimes 90 days for the GC or the property manager to release your money. The job is profitable on paper, but the cash is gone the day you order material.

That gap is where good flooring contractors get stuck. Turn down a big commercial or multi-unit bid because you can't float the materials, and you don't just lose that job — you lose the crew you would've kept busy with it. Funding exists to close that gap so a signed job never has to wait on your bank balance.

A real dollar example

Say a property manager awards you a 12-unit apartment turn: LVP throughout, roughly $34,000 in material and about $9,000 in crew labor to get it installed. Payment lands 45 days after completion. You've got the manpower, but not $43,000 sitting idle to front it.

You pull $50,000 in funding. The extra covers material overage, a second crew so you finish in two weeks instead of four, and delivery. You order the LVP the same day, install, invoice, and the property manager pays on day 45 — while you've already booked the next building on the same relationship. The funding turned a job you might have passed on into a paid job plus a repeat client.

Why deposits matter more than your credit score

We approve on the money moving through your business bank account, not on a FICO number. If your deposits show a real flooring operation, that's what counts. FICO 500+ is fine. Checking your rate is a soft pull, so it won't ding your credit.

• $10,000 to $5,000,000 — minimum $10K, sized to the job in front of you.
• Funded in as little as 24 hours once you're approved.
• No collateral for working capital.
• Every flooring lane — residential remodel, commercial, multi-family, retail, subfloor and prep.

How fast is fast

Send recent bank statements and a signed agreement before early afternoon Eastern on a weekday, and same-day funding is on the table. Get everything in on a Friday and you're looking at Monday. No games with the timeline — you'll know where you stand before you commit material to a job.

Straight answers

What can I use flooring contractor funding for?

Material buy-in, crew payroll, equipment, a work vehicle or trailer, fuel and delivery, or just floating the gap until a slow-paying GC releases your invoice. It's working capital — you decide.

Do I need great credit?

No. Approval is based on your business bank deposits, not your credit score. FICO 500+ works, and checking your rate is only a soft pull.

How much can a flooring contractor get?

From $10,000 up to $5,000,000. The amount is sized to your deposits and the job you're funding — enough to cover material and labor on a real project.

How soon can I have the money?

As little as 24 hours after approval. Statements plus a signed agreement in before early afternoon ET on a weekday can fund the same day; Friday submissions fund Monday.

Is there collateral?

No collateral is required for working capital. You're not putting up your equipment or your home to front a flooring job.

What do I need to apply?

A quick application and your recent business bank statements. That's enough to get you a real number, fast.