Working Capital for Mattress & Bedding Stores
Mattress and bedding stores carry high-ticket, low-turnover inventory, so a single floor model represents a significant amount of cash sitting in the showroom until it sells.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so mattress & bedding stores never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. A mattress store's showroom floor can hold a large amount of inventory value that turns over far more slowly than smaller retail goods.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. Frequent promotional sales and financing offers used to close a sale can delay when the store actually collects full payment from the customer.
One approval, draw what you need, and return for additional funding as your mattress & bedding stores business performs. Delivery, setup and old mattress removal services add real labor and logistics costs that come out of the same margin as the mattress itself.
Stock the latest mattress models and bedding lines across price points.
Fund the delivery trucks and crews needed for setup and old mattress removal.
Refresh the showroom floor and signage to keep the shopping experience competitive.
Yes, many mattress and bedding store owners use working capital to stock new models and bedding lines across price points.
No, approval is based on your store's overall monthly revenue, not the price point of individual items you sell.
Yes, working capital can be used for any business purpose, including delivery vehicles, warehouse space or removal service costs.
Paz funds mattress & bedding stores from $2,500 to $5,000,000. Most mattress & bedding stores qualify for $25,000 - $250,000, 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.
Mattress & Bedding Stores funding, approved in as little as 24 hours