The Pinch Points
Why Flooring Contractors Come to Us Instead of Their Bank
Flooring is material-heavy and paid on completion, and the bank won't front a freight load of tile against a net-30 draw. These are the spots where we get called.
GC Job, Materials First
A GC awarded you a $90K flooring package — hardwood, LVP, and tile across a 20-unit apartment complex. Materials cost $35K and the GC pays 30 days after completion, per floor.
Grinders Down, Crew Slows
Your ride-on grinder and edger need replacing. Every day on worn-out equipment slows your crew by 20% — lost productivity you eat while the machines sit.
Premium Hardwood Deposits
You landed 6 reflooring jobs this month — $60K total. Four customers chose premium hardwood at $12 a square foot, so material deposits alone are $25K this week while they pay on completion.
Specialty Order, Prepaid
A designer referred a $45K custom herringbone install. The homeowner picked imported Italian marble at $28 a square foot — $16K in material, and your supplier requires prepayment on specialty orders.
Losing Bids Without a Showroom
You want a mobile showroom van with sample racks and a demo area — $14K for the buildout. Right now you lose bids because customers can't see or feel the product, and your competitors all have one.
Specialty Import Deposit
A specialty import — Italian porcelain or wide-plank European oak — carries a 12-week lead time and a deposit due at order: $50K committed before the client signs off on final specs, with nothing to bill until it installs.
What an operator said
“A designer sent us a high-end job that hinged on a specialty Italian tile we had to pre-pay before the client paid on completion. A line fronted the material — we opened a referral pipeline we’d chased for a year.”
Gianna P. · flooring contractor · Los Angeles, CA
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Flooring Operators
Ride-On Grinders and Polishers, Financed
A pair of ride-on grinders or polishers for commercial floors runs into six figures and the dealer wants cash. Equipment financing with the machines as collateral puts them on the job and keeps your operating cash free for material and crew.
Dust Extraction, Saws, and Vans
Commercial work means dust-extraction systems, saws, and a work van to move them between sites. Equipment financing funds the support gear so a big polished-concrete or tile job doesn't tie up the cash you need for material.
Front Whole-Building Material Orders
A working line fronts the freight-load material order a big commercial floor takes when the deposit doesn't cover it, so you install on schedule and repay as the job funds.
Crew Expansion for the Bigger Job
A hospital or commercial floor needs more installers than you carry. A working line funds the payroll ramp so you take the bigger contract instead of passing on it.
Match Your Situation
The Cash-Flow Gaps We Fund for Flooring
Match your situation to the structure. Every one of these funds on your revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Whole-building material order | Freight load of tile or hardwood due before the job pays | Working Capital | $75K–$300K | 1–3 days |
| Premium material deposits | Supplier wants prepayment on specialty hardwood or marble | Working Capital or LOC | $75K–$150K | 1–3 days |
| Grinder and polisher upgrade | Ride-on machines to handle commercial volume | Equipment Financing | $75K–$200K | 3–5 days |
| Crew scaling for a big job | Hospital or commercial floor needs more installers fast | Working Capital | $75K–$250K | 1–3 days |
| GC progress-billing delay | GC pays net-30 per floor, payroll runs now | Invoice Factoring | $75K–$200K | 1–2 days |
The Products
How Flooring Financing Is Structured
Most flooring files fund between $75K and $5M+, structured to the material order and the draw. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | Material orders, crew payroll, deposits | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Ride-on grinders, polishers, dust extraction | 3–5 days | Equipment serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | GC progress billings on commercial floors | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Premium material deposits and multi-job swings | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on a Grinder and Polisher Package — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Commercial flooring is a volume game — a ride-on grinder turns a week of hand work into a day, and that speed is what lets you bid the hospital and the warehouse. $110K in grinders, polishers, and extraction is that capacity. A small down, the rest financed, and §179 deducts the full $110K this year. The machines that win the commercial work and cut the tax bill, same year.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a flooring file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Flooring Contractor Financing
Flooring Is a Material-Heavy Trade Nobody Talks About
Look — a single commercial floor is a freight load of tile, LVT, or hardwood paid for before you set the first board. A 40,000-square-foot job ties up real money while the deposit covers a fraction and the GC pays net-30 per floor. Multiply that across the jobs you run at once and you're carrying a material order that dwarfs anything your business credit card was built for.
One Application, 70+ Lenders
We fund flooring contractors — hardwood installers, LVP and tile crews, polished-concrete and commercial flooring companies — in as little as 24 hours. One application, 70+ lenders, soft-pull review to start. We've funded whole-building material orders, ride-on grinder and polisher packages, multi-unit apartment material buys, and the crew you scale for a hospital or commercial job. If you're steering customers to cheaper product because you can't float premium material, you're leaving margin on every job.
Common Questions
Flooring Financing — Questions, Answered
Yes. Working capital fronts the freight load of tile, LVT, or hardwood so you install on schedule, repaid as the job funds.
Equipment financing: a fraction down, full Section 179 write-off, sized to revenue.
Yes. A line covers the equipment and payroll a larger contract needs so you don't pass on it.
Often not on big commercial jobs; a line covers the gap between deposit and completion so material cost doesn't drain you.
$75K–$5M+; larger lines when revenue, cash flow, and story qualify.
No. Revenue and bank-statement underwriting lead; soft-pull review to start, no hit to begin.
Recommended Funding
The Products That Fit Flooring Work
Equipment Financing →
Finance ride-on grinders, polishers, and dust extraction — the machines are the collateral.
Working Capital Loans →
Cover whole-building material orders and premium deposits before the job pays.
Business Line of Credit →
Draw for material on commercial projects, repay when the GC pays each phase.
Other Construction Trades