Working Capital for Cabinet & Countertop Shops
Cabinet and countertop shops carry the cost of slab material, custom millwork, and shop labor well before a finished piece is installed and paid for. Paz Working Capital gives cabinet and countertop businesses cash to keep material inventory stocked and shop crews working through custom order backlogs.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so cabinet & countertop shops never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. Stone slabs, plywood, and hardware are often purchased in advance of a custom order, tying up cash before the piece is built.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. Custom fabrication can take weeks in the shop before installation, delaying payment while shop labor and overhead continue.
One approval, draw what you need, and return for additional funding as your cabinet & countertop shops business performs. Builder and contractor accounts commonly pay on net-30 or net-60 terms even after a countertop or cabinet installation is complete.
Stock slab, plywood, and hardware ahead of custom fabrication orders
Keep shop labor and equipment running through a backlog of custom orders
Cover costs while waiting on net-30 or net-60 payment from builder accounts
Yes. Funding is based on the overall revenue of your shop, so it can be used to purchase slab, plywood, or hardware ahead of a custom fabrication order.
No. Qualification looks at your monthly revenue and time in business, not the payment terms of individual builder or contractor accounts.
Yes, funds can be used for shop equipment purchases or repairs, along with any other legitimate business expense.
Paz funds cabinet & countertop shops from $2,500 to $5,000,000. Most cabinet & countertop shops qualify for $25,000 - $200,000, based on monthly revenue and time in business rather than collateral.
A US business that has operated for at least six months with $10,000 or more in monthly revenue, your last three months of bank statements and your EIN. The application takes about five minutes, and there is no hard credit pull to get pre-qualified.
Cabinet & Countertop Shops funding, approved in as little as 24 hours