Working Capital for Garden Centers & Nurseries
Garden centers and nurseries manage living inventory on a tight seasonal calendar, where most of the year's revenue arrives in a short spring and summer window.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so garden centers & nurseries never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. Live plants and trees are perishable inventory that require ongoing water, care and greenhouse costs whether or not they sell quickly.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. The spring and early summer planting season can account for the majority of annual revenue, so a nursery has to buy and grow inventory months before that narrow selling window opens.
One approval, draw what you need, and return for additional funding as your garden centers & nurseries business performs. Weather-dependent sales mean a rainy spring can push expected revenue later in the season while supplier bills and payroll continue on schedule.
Stock plants, trees, soil and seasonal supplies ahead of the peak spring planting rush.
Invest in greenhouse space and growing equipment to expand what you can grow on-site.
Add delivery or landscaping design services to bring in revenue beyond retail sales.
Yes, Paz reviews your overall monthly revenue trend, so a nursery with a strong spring season is not penalized for slower months later in the year.
Yes, many garden centers use working capital to buy plants, soil and supplies months ahead of the spring rush, then repay as the season's sales come in.
Paz structures repayment as a fixed daily or weekly amount sized to your revenue, so a slower week means a smaller amount is collected rather than a fixed payment you cannot adjust.
Paz funds garden centers & nurseries from $2,500 to $5,000,000. Most garden centers & nurseries qualify for $20,000 - $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.
Garden Centers & Nurseries funding, approved in as little as 24 hours