Business funding for furniture stores
Furniture ties up more cash per item than most retail, since a single showroom floor can represent a large upfront buy that sells over weeks or months, not days. Delivery trucks and warehouse space add ongoing costs on top, and financing here usually splits between inventory and equipment.
- One application, several lenders
- No credit pull to see your options
- No fee to you, ever
Common funding needs
- Buying showroom inventory ahead of a sales event
- Replacing or adding a delivery truck
- Renovating or expanding the showroom
- Covering payroll and warehouse rent through a slow stretch
What usually fits
Products that usually fit
- Working capital for a showroom inventory buy.
- Equipment financing for delivery trucks and warehouse equipment.
- Term loan for a showroom renovation or expansion.
- Line of credit for ongoing inventory swings between sales events.
Compare term loans, lines of credit, cash advances and equipment financing side by side →
Illustrative example
A worked example
A furniture store buys $60,000 of showroom inventory ahead of a major sales event, repaid over 18 months as working capital at an illustrative 10–22% a year. Payments come to about $3,603–$3,944 per month, or $64,862–$70,987 in total.
Owners typically weigh that monthly cost against how quickly the new inventory is expected to sell through before committing.
Illustrative example only, not an offer or a quote. Rates, fees and terms are set by each lender and depend on your business. Fees are not included unless stated.
Underwriting
What lenders look at
- Monthly card and financing-partner deposits (many furniture sales run through in-house financing)
- Inventory turnover and how long stock typically sits before selling
- Delivery fleet age and any existing vehicle payments
- Lease terms on the showroom and warehouse
- Owner credit
Honestly
Who this is not for
- A store that has not opened yet: most lenders want deposit history
- Buying inventory faster than the store's typical sell-through pace supports
- Borrowing short-term, expensive money for a delivery truck that could be financed over its useful life instead
If borrowing does not make sense, we will say so.
Are you a match?
Lender network minimums
Close but not quite there? Apply anyway and we will tell you honestly what is possible.
*Best available terms from lenders in our network. Every lender sets its own criteria; approval, amount and funding time are decided by the lender and not guaranteed.
| Time in business | 1 year+ |
|---|---|
| Monthly bank deposits | $20,000+ |
| Credit score | 500+ |
| Bank account | Business |
| Fee to you | $0 |
| Credit pull to start | None |
FAQ
Furniture stores funding questions
Does in-house or third-party customer financing count as revenue?
Often, yes, once the financing company pays out to your business account, but tell us how your sales are structured so we route you to the right lenders.
Can I finance a delivery truck?
Yes, usually through equipment or vehicle financing, with the truck itself as collateral.
Is furniture retail treated as card-heavy like a boutique?
Not always. Many furniture sales are larger tickets paid through financing partners or cheques rather than a card swipe, which changes which products fit best.
Can I fund a showroom expansion?
Yes, usually as a term loan, sized to what the added floor space is expected to add in sales.
Guides
Guides for furniture stores
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Where we work: all US states · all Canadian provinces
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