Holiday and Valentine's Day inventory builds
Stock the roses, lilies, and design inventory that drives revenue during peak holiday windows.
Valentine's Day and Mother's Day Define Your Year. Get Stocked.
A working capital line of credit up to $1.5M for florists. Fund holiday inventory, refrigeration, delivery vans, and the event work that grows the business.
Working capital for the floral economy.
Florist operations are defined by holiday cash flow swings. Valentine's Day, Mother's Day, and the wedding season concentrate a meaningful portion of annual revenue into narrow windows. Inventory is perishable. Refrigeration is essential. Delivery vans are required. Wedding and event work demands working capital weeks or months before the event delivers payment. Add the cost of design-grade inventory, the shift toward DTC e-commerce, and the operational complexity of corporate accounts, and the working capital demands are substantial.
Commercial Capital Connect provides florists and flower shop operators a working capital line of credit up to $1.5 million with interest-only options. Stock the holiday inventory. Upgrade the cooler. Add a delivery van. Fund the wedding mobilization. Same-day approvals, fast funding, and the flexibility to draw before peak season hits.
Refrigeration and cold storage expansion
Add walk-in coolers, display cases, and back-of-house refrigeration that extends product life and reduces waste.
Delivery van and fleet expansion
Fund delivery vans and refrigerated delivery vehicles that extend service area and protect product.
Wedding and event mobilization
Cover the upfront flower, design, and labor costs of executing large weddings and corporate events.
E-commerce and DTC infrastructure
Build out the online ordering, fulfillment, and shipping infrastructure that opens new revenue channels.
Basic line of credit review criteria
These are baseline review items, not an approval, offer, or commitment to lend.
- Estimated Equifax score of 575 or higher
- Operating at least 30 days
- About $17,000+ in average monthly revenue
- Active commercial business location
- 0 to 2 active cash advances preferred
Why Commercial Capital Connect
CCC is a business finance marketplace, not a direct lender. One application can help compare potential options through a network of 75+ lending partners.
Holiday concentration is expected
We understand that Q1 and Q2 carry meaningful weight. Trailing twelve-month revenue drives approval.
Perishable inventory is recognized
We work with perishable inventory businesses and respect the operational reality.
Interest-only payment options
Keep monthly costs lean during quieter weeks and pay down principal as holiday revenue lands.
Refinance restrictive financing
Pay off up to two existing cash advances or short-term loans into a flexible LOC.
Florists & Flower Shops funding FAQ
Can a single-location florist qualify?
Yes. Single-location florists qualify on the standard criteria: 575 Equifax, 30 days TIB, $200K annual revenue.
Can the line fund a large wedding mobilization?
Yes. Wedding and event mobilization costs including flower purchases, labor, and rentals are valid uses.
What about wholesale and corporate account ramp?
Corporate account ramp, including the working capital required to deliver on net 30 invoicing, is a valid use.
Can I use the line to upgrade refrigeration?
Yes. Cooler upgrades, walk-ins, and refrigerated display cases are valid working capital uses.
How does the line handle a slow July?
Interest-only payments keep monthly costs low during slower months. Trailing average revenue drives underwriting.