Funding for Print & Sign Shops

Presses, wide-format, materials, and the cash gap on big orders — funded on your deposits, not your credit score.

The cash gap is built into your business

Print and sign shops live in the gap between the deposit and the final invoice. A commercial client hands you a purchase order for 5,000 catalogs or a full building wrap, and you're expected to front the paper, ink, vinyl, laminate, and labor weeks before that invoice gets paid on net-30 or net-60 terms. The bigger the order, the wider the gap — and the wider the gap, the harder it hits your cash position right when business is good.

On top of that, your equipment is the business. A wide-format printer, a digital press, a laminator, or a flatbed cutter can cost tens of thousands, and when one goes down mid-run, every job behind it stalls. Waiting on a bank while your deadline slips isn't an option.

Quick Biz Capital funds print and sign shops based on your bank deposits, not your credit score. If money is moving through your account, you likely qualify — FICO 500+ is fine, it's a soft pull to check, and there's no collateral required for working capital. Amounts run from $10,000 to $5 million.

A real example

Say a sign shop lands a contract to wrap a fleet of 12 delivery vans. Materials — cast vinyl, laminate, and design proofs — run about $14,000, plus install labor, and the client pays net-45 after the last van is done. That's roughly six weeks of your money tied up before a dollar comes back.

With $20,000 in working capital, you buy the vinyl the day the contract is signed, keep your installers on schedule, and take the next job that walks in the door instead of turning it away for lack of cash. When the client's invoice clears, the gap is already closed and you kept every job moving in between.

Approved on deposits, not credit score

Banks want two years of tax returns and a high credit score. We look at how your business actually runs — the deposits landing in your account month after month. That's why print shops that get turned down by a bank get approved here.

• Funding from $10,000 to $5 million
• Approved on your bank deposits, not your FICO
• FICO 500+ is fine, and checking your rate is a soft pull
• No collateral required for working capital
• Funded in as little as 24 hours

The application takes minutes. Send your recent bank statements, and once you're approved and you sign — before early afternoon Eastern on a weekday — you can be funded the same day. Sign on a Friday and you're looking at Monday.

Straight answers

What can I use print shop funding for?

Anything the business needs — presses and wide-format equipment, repairs, paper and ink and vinyl for a big order, materials for a contract, payroll, rent, or simply covering the gap while you wait on net-30 or net-60 invoices.

How much can I get?

From $10,000 up to $5 million. The amount you qualify for is based mainly on your monthly bank deposits.

Will this hurt my credit?

No. Checking what you qualify for is a soft pull, so it won't affect your score. FICO 500+ is fine.

How fast can I actually get the money?

As little as 24 hours. If you're approved and sign before early afternoon Eastern on a weekday, funding can hit the same day. Approvals signed Friday typically fund Monday.

Do I need collateral?

Not for working capital. Approval is based on your deposits, not on pledging your equipment.

What do I need to apply?

Your most recent business bank statements and a few minutes. That's the core of it.