CUSTOM CABINETRY & MILLWORK • LINE OF CREDITCustom cabinetry and millwork financing — keep every project on schedule
Loot offers custom cabinetry and millwork shops an unsecured business line of credit from $5,000 to $100,000. Use it to cover materials, payroll, and equipment, or give your shop the room to take on a larger project without draining the cash needed for everything else. Established cabinetry and millwork businesses with 1+ year in business and $200K+ in annual revenue can check their options with a soft pull. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
No collateral
No hidden fees 
Same-day funding for $49
Cabinetry and millwork challenges: material costs, build time, and payment timing
Custom cabinetry and millwork projects often require buying hardwood, sheet goods, and hardware well before a customer's final payment lands, especially on multi-week builds. When a large kitchen, commercial buildout, or custom order requires more materials and shop time upfront, a full order book can put more pressure on cash flow rather than less.
Purchase hardwood, sheet goods, and hardware before final payment arrives- Cover shop payroll across multi-week build timelines
- Take on a larger custom order without straining current projects
Where a cabinetry and millwork line of credit does the heavy lifting
Six moments when shop cash flow needs backup — and how a Loot line of credit can help.
Purchase materials before final payment arrives
Custom cabinetry and millwork require buying hardwood, plywood, veneer, and hardware before a customer's deposit covers the full project cost. A line of credit can help secure materials without pulling cash away from the rest of the shop.
Take on a larger custom project
A full kitchen remodel or commercial millwork contract can be great for the business, but it may also require a bigger materials buy and more shop hours upfront. A line of credit can give a shop the working capital to accept and build the project without putting other jobs under pressure.
Cover shop payroll across build timelines
Cabinet makers and finishers still need to be paid whether a project is halfway built or ready for install. A short-term draw can help cover payroll without taking cash away from materials.
Handle equipment repairs and downtime
A table saw, CNC router, or spray booth going down can affect every project in the shop, not just one. A line of credit can help cover repair costs before downtime delays the whole schedule.
Manage finishing and hardware costs
Stains, lacquers, and specialty hardware can add real cost on top of the base materials budget. A line of credit can help cover these costs so a project doesn't stall waiting on the final details.
Bridge the gap between install and final payment
Many clients and general contractors hold back a final payment until after installation and walkthrough. A revolving line can help smooth that gap while the shop moves on to the next project.
How a cabinetry and millwork line of credit helps
A business line of credit for custom cabinetry and millwork shops provides flexible capital for materials, payroll, and equipment. Draw loot when needed, repay as projects pay out, and keep the shop running.
Loot for materials
Draw capital instantly to stock hardwood, sheet goods, and hardware for the next build.
No hidden costs
Only pay for what you use — no extra fees added to the bill.
Fits any shop size
From a one-person shop to a multi-crew millwork operation, the line flexes with your needs.
Trusted by cabinetry and millwork shops
Built by operators who understand long build timelines, material costs, and final-payment holdbacks. Transparent pricing, no hidden costs.
Speed that keeps the shop moving
From application to funding, Loot provides cabinetry shops with capital faster than a project deposit clears.
Flexible like a build schedule
Use a little or a lot. Repay as projects pay out. Scale limits as the shop grows.
How a Loot line of credit works for a custom cabinetry shop
Say your shop needs $16,000 for a hardwood order, finishing supplies, and payroll on a custom kitchen build before the client's final payment clears. With Loot, you can draw $16,000 from your approved line.
Before you confirm, you choose a fixed weekly repayment plan upfront, such as 16, 20, or 24 weeks. You see the total cost before you move forward.
If the final payment lands sooner than expected and you pay the draw off early, there is no prepayment penalty. Paying off early can save up to 50% of remaining fees.
As you repay, your line revolves — the funds become available again as you pay down the draw. Same-day approval is standard, decisions happen in minutes, and once approved, same-day funding is available for a $49 transfer fee.
Requirements for custom cabinetry and millwork financing
To qualify with Loot, your cabinetry or millwork business needs:
1+ years
$200k+
None
Checking eligibility is a soft pull, so it does not impact your credit score, approved or not. Loot looks at real business cash flow, not just a credit score.
Custom cabinetry line of credit vs. term loan vs. business credit card
| Features | Business Line of Credit | Term Loan* | Business Credit Card |
|---|---|---|---|
| How you access funds | Draw from an approved credit line when your shop needs funds | Receive one lump sum upfront | Use the card for purchases up to the credit limit |
| What you pay for | Only the amount you draw | The full loan amount* | Purchases made on the card |
| Repayment | Each draw has a fixed daily, weekly, bi-weekly, or monthly repayment plan chosen upfront | Usually fixed payments over a set term* | Minimum monthly payments, with added fees if a balance carries |
| Revolves? | Yes, available credit returns as you repay | No, it is a one-time loan* | Yes, available credit returns as you pay |
| Best for | Materials, shop payroll, equipment repairs, and payment gaps | Purchasing major shop equipment outright | Smaller purchases and everyday expenses |
A term loan* may suit purchasing a major piece of shop equipment outright. A business credit card may work for smaller day-to-day expenses. A line of credit can support the recurring costs of running a cabinetry or millwork shop — materials, payroll, and equipment — while final payments are still pending.
What custom cabinetry and millwork shops can use a line of credit for
- Hardwood, sheet goods, and hardware purchases
- Shop payroll across build timelines
- Equipment repairs and maintenance
- Finishing supplies and specialty hardware
- Final-payment holdback gaps
- Larger custom or commercial projects
- Shop lease and utility costs
- Delivery and installation costs
Draw funds when the business needs them. Repay on the weekly plan you choose upfront. Keep your treasure chest available as you repay.
Financing for custom kitchen cabinet shops
Financing for custom kitchen cabinet shops can help cover materials and payroll before a homeowner's final payment lands. A full kitchen build can take weeks of shop time before installation. A line of credit can help keep the project moving.
Financing for architectural millwork and trim shops
Financing for architectural millwork and trim shops can help cover materials for commercial buildouts before a general contractor's payment clears. A line of credit can help a shop take on a larger commercial contract without straining cash flow.
Financing for closet and storage system builders
Financing for closet and storage system builders can help cover materials and installation labor before the customer's final payment arrives. A line of credit can help keep multiple installs moving at once.
Financing for furniture makers and woodworking shops
Financing for furniture makers and woodworking shops can help cover hardwood and finishing materials before a custom piece ships. A line of credit can help a shop take on a larger commission without draining cash reserves.
Financing for shop equipment repairs
Financing for shop equipment repairs can help when a CNC router, table saw, or spray booth needs work. Equipment downtime can delay every project in the shop. With Loot, you can draw for the repair, see the total repayment before confirming, and pay it down early if payments clear sooner.
Financing for growing cabinetry and millwork businesses
Financing for growing cabinetry and millwork businesses can help fund additional shop space, staff, or equipment needed to take on bigger contracts. A line of credit can give a growing shop the working capital to say yes to bigger opportunities.
Custom cabinetry & millwork financing FAQs
Loot has no minimum FICO score requirement. Underwriting looks at real business cash flow, not just a credit score. Your shop still needs 1+ year in business and $200K+ in annual revenue to qualify.
Cabinetry and millwork shops can get a decision in minutes, and same-day approval is standard. Once approved, same-day funding is available for a $49 transfer fee.
No. Checking eligibility with Loot is a soft pull. It does not impact your credit score, approved or not. You can review your options before deciding whether to draw from the line.
Yes. Cabinetry and millwork shops can use a Loot line of credit for hardwood, sheet goods, hardware, payroll, equipment repairs, and other business costs. You see the total cost before confirming and only pay when you draw.
Yes. Many shops use a Loot line of credit specifically to bridge the gap between finishing a project and collecting the final payment or holdback amount.
No. Equipment financing is usually tied to a specific piece of equipment as collateral. A Loot line of credit is unsecured working capital you can use for materials, payroll, repairs, or any other business need.
Apply for custom cabinetry and millwork financing today
If you're buying materials before a project's final payment lands, or covering shop payroll across a multi-week build, a line of credit can give your shop more room to move.
Get $5,000 to $100,000. Apply in minutes with a soft pull that will not impact your credit score. If approved, you can draw what you need, see the total cost before confirming, and keep your treasure chest available as you repay.
No collateralNo hidden fees Same-day funding for $49