This Is Why You're Here
Why Floorings Come to Us Instead of Their Bank
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.
Your drum sander and edger need replacing — $8K together. Every day with subpar equipment slows your crew by 20% and costs you $500 in lost productivity.
You landed 6 residential reflooring jobs this month — $60K total. But 4 customers chose premium hardwood at $12/sqft. Material deposits alone are $25K this week.
A designer referred you to a $45K custom herringbone install in a luxury home. The homeowner picked imported Italian marble at $28/sqft. Material cost is $16K and your supplier requires prepayment on specialty orders.
You want to build a mobile showroom van with sample racks and a demo area — $14K for the buildout. Right now you're losing bids because customers can't see or feel the product before choosing. Your competitors all have showroom vans.
GC gave me a 20-unit apartment job. Needed $35K in hardwood and tile before I saw a dime. Funded in 2 days, no hard pull. Clean process.
Kevin H., Flooring Contractor, Atlanta, GA
Flooring Financing
Get Your Flooring Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Flooring Businesses Choose Basecamp
Premium Material Deposits Covered
A customer picks $12/sqft white oak and your supplier wants 50% upfront on a $25K order. The homeowner doesn't pay until install is done. We fund material deposits so you never steer customers to cheaper product because of cash flow.
Sanding Equipment Pays for Itself
A new drum sander and edger cost $8K together. Every day with worn-out equipment slows your crew by 20% — that's $500/day in lost productivity. Finance the tools and recoup the cost in 2 weeks of faster installs.
Multi-Unit Commercial Installs Bridged
A 20-unit apartment flooring package means $35K in materials with the GC paying per floor completed over 3 months. A revolving line lets you buy material for floor 10 while waiting on payment for floor 1.
Van Buildouts for Mobile Showrooms
A custom van buildout with sample racks, dust extraction, and tool storage costs $12K-$18K. Finance the buildout — it closes more jobs and the van is the collateral.
Bobby's Take
Bobby's Playbook for Flooring
Most flooring contractors walk into a bank and get evaluated against a 5-year operating-history checklist — not the showroom retail plus contractor-wholesale plus install services pipeline they actually have right now. Lenders who specialize in flooring contractors look at the work in front of you, not the work behind you. They underwrite your retail-and-wholesale revenue mix and install-services attach rate. Here's how to position your transaction so the right specialists see it first.
Three things determine whether a flooring contractor transaction closes: revenue split (retail showroom, wholesale to contractors, installation services), inventory turnover, and your installation crew capacity. Not your personal FICO. Not your time in business. Specialist flooring contractor lenders care about whether your monthly blended revenue supports a $1,500-$3,000/month payment — and whether your inventory turnover proves the showroom is moving product, not just sitting on it.
The biggest mistake flooring contractors make: applying without separating retail showroom revenue from contractor-wholesale and install-services revenue. The lender sees blended deposits and applies retail-trade aging. The fix: separate each revenue line with margin context. Specialist flooring contractor lenders price contractor-wholesale and install-services revenue as recurring B2B. Generalist lenders see flooring and assume retail-only economics.
commercial flooring contract revenue lost without crew or inventory
Where this gets interesting at scale: a flooring contractor expanding showroom inventory, adding installation crews, or opening a second showroom doesn't need ONE loan. They need equipment financing for installation tools + a working capital line for showroom inventory + invoice factoring on contractor-wholesale net-30 receivables + sometimes a a revenue-based term loan against existing showroom revenue to cover a second-showroom buildout. Four products, multiple lenders, one application — that's how single-location flooring shops scale into multi-location flooring contractors.
The flooring contractors who scale fastest aren't the ones who waited for showroom inventory to fully turn before reordering. They're the ones who had a second crew and inventory ready when a multifamily developer or hotel chain offered a contract. Turning down a $150K commercial flooring contract because you can't add crew or inventory is revenue going to competing flooring contractors. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your flooring business this week.
Bottom line:
Flooring contractors get priced like retailers when contractor-wholesale and install-services revenue is recurring B2B. Separate the lines — that's how a specialist prices the wholesale base as the recurring revenue.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Floorings Face
Pricing Transparency
What Flooring Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for Floorings
Finance the equipment. Keep your cash. Take the deduction. Your box truck + racking costs $34,800 after taxes and you never touched your reserves.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your trade, current jobs, and bid pipeline. No bonding docs yet.
Soft Credit Screen
We screen options with zero impact to your FICO or bonding capacity.
Construction-Specialty Lenders Compete
70+ lenders who underwrite GCs, electricians, plumbers, and concrete contractors review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through structures, draw schedules, and how each affects your bonding line.
Choose Your Offer, Sign, Get Funded
E-signature. Funds land in time to cover materials and crew before the first draw.
Flooring Capital Uses
What Flooring Businesses Use Funding For
Payroll & Operations
Bridge cash flow gaps. Keep crews paid when receivables run 30-60-90 days.
Job Mobilization
Fund upfront costs — materials, permits, equipment rental — before first draw.
Scale & Win Bigger Jobs
Take on larger contracts. Expand territories. Hire key staff.
AI & Technology
Drones, AI estimating, GPS fleet tracking, project management tools.
Equipment & Vehicles
Excavators, dump trucks, skid steers. Finance or lease — all established businesses.
Marketing & Branding
Truck wraps, websites, Google Ads. Build the brand that wins contracts.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your flooring business?
Your lender will require proof of general liability and workers' comp before funding equipment over $50K. Our sister company InsuranceService365.com binds contractor policies same-day across 29 states — so insurance never holds up your funding.
Don't Wait Until You Need Funding to Get Funded
GC payments are net-30/45/60 by industry default. The contractors who win on price are the ones with capital to mobilize before the first draw. The contractors who win on schedule funded BEFORE the job started — not after the supplier called about a past-due invoice. Pre-qualify when the bid pipeline is steady.
Ready?
See What Your Flooring Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Contractors Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Flooring Businesses
Working Capital
Bridge payroll and materials between draw payments. Fund in 24 hours.
Learn More →Equipment Financing
Finance excavators, trucks, and tools — the equipment is the collateral.
Learn More →Business Line of Credit
Draw for materials when you need them, repay when the GC pays.
Learn More →Invoice Factoring
Convert 30-90 day receivables into same-day cash.
Learn More →FAQs
Flooring Business Loan FAQs
Flooring Contractor Loans — $10K to $20M+
Look — flooring is a material-heavy trade and nobody talks about it. A single residential hardwood job at $12/sqft can mean $8K-$15K in material deposits before you rip up the first board. Now multiply that by 6 jobs this month. That's $60K in materials tied up while customers pay on completion and GCs pay net-30. Your business credit card isn't built for that.
We fund flooring contractors — hardwood installers, LVP and laminate specialists, tile crews, commercial flooring companies — in as little as 24 hours. One application. 70+ lenders. Soft-pull pre-qual. I've funded $25K premium hardwood orders, $8K sanding equipment replacements, $35K multi-unit apartment material packages, and $18K mobile showroom van buildouts. If you're steering customers to cheaper product because you can't float premium materials, you're leaving $3-5K in margin on every job.
Stop Letting Slow GC Draws Park Your Crew. Get Your Flooring Business Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide