Funding for Florists
Flower shops run on daily card sales plus a few enormous weeks a year — a pattern an advance follows naturally, remitting more in Valentine's week and less in the summer lull, while event work fits a line you can draw on per wedding.
Floristry is a business of perfect timing with perishable goods. Valentine's Day and Mother's Day can each outsell an ordinary month, but only if you bought enough product, hired enough drivers, and had the coolers to hold it all — and you commit to those costs weeks before a single arrangement sells. Wedding season runs the same way at a slower burn: contracts signed in winter, flowers paid for in spring, final balances arriving after the event. Broadway funds against what your shop actually deposits: one short form, three months of bank statements, a soft credit pull, same-day decision, funding in as little as 24 hours. The capital costs more than a bank's — being short-stemmed on February 13th costs more.
The challenge
Your inventory wilts. You buy fresh product on a guess, two holidays carry an outsized share of the year, and a wedding season's worth of flowers gets paid for before the brides' final payments arrive. Banks do not underwrite perishable.
How Broadway Advance helps
Flower shops run on daily card sales plus a few enormous weeks a year — a pattern an advance follows naturally, remitting more in Valentine's week and less in the summer lull, while event work fits a line you can draw on per wedding.
What owners use it for
- Stock up on product, vases, and supplies ahead of Valentine's Day and Mother's Day
- Hire extra designers and delivery drivers for holiday and wedding crunches
- Replace or add floral coolers before the busy season tests them
- Front the flower costs on wedding contracts before final payments arrive
- Buy or upgrade a delivery van so the big weeks don't outrun your fleet
- Carry the shop through the post-Mother's-Day summer lull
See your real number in about five minutes.
Apply nowFunding options that fit florists
Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →Business Line of Credit
A revolving cash reserve you only pay for when you draw on it.
Flexible limits →Equipment Financing
Buy the equipment you need; the equipment itself secures the deal.
Up to 100% of equipment cost →Florists funding questions
I need capital in January to buy for Valentine's Day. Is that realistic timing?
Yes, comfortably. Broadway's process — one short form, three months of bank statements, soft credit pull — produces a same-day decision and funding in as little as 24 hours, so even mid-January is not late. One wrinkle worth knowing: your most recent statements will show the slow post-holiday season, which can shape the offer. Some florists apply in early winter while fall wedding deposits are still landing, then hold the capital for the February buy.
How does repayment work through my dead summer months?
An MCA remits as a share of your sales, so the slow stretch after Mother's Day means smaller remittances automatically — you are not staring down a fixed payment sized for February. The honest flip side: lighter remittances mean the advance takes longer to retire and the total cost does not shrink. If your concern is recurring seasonal gaps rather than one big buy, a line of credit you draw and repay each cycle is usually the cheaper long-term tool.
Weddings pay me a deposit, then nothing until the end. Can financing bridge that?
That gap is one of the most common reasons florists call us. A line of credit fits it best: draw against each contract to buy product and pay freelancers, then repay when the final balance clears, and the line is ready for the next event. An advance can do the same job faster if your credit profile is thin, at a higher cost. Either way, build the financing cost into your wedding pricing — your competitors who float it themselves are quietly doing the same.