FLORISTS • LINE OF CREDITFlorist financing — keep every arrangement blooming
Loot offers florists an unsecured business line of credit from $5,000 to $100,000. Use it to cover fresh stock, delivery vehicles and wedding-season payroll, or give your shop the room to stock up ahead of Valentine's Day and Mother's Day without draining the cash needed for everything else. Established florists 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
Florist challenges: perishable stock, seasonal swings and delivery costs
Florists have to buy fresh flowers days before a holiday or wedding, and unsold stock can wilt into a loss within a week. Valentine's Day, Mother's Day and wedding season can each demand a huge stock-up and extra delivery staff, while the weeks between those peaks can be quiet. Delivery vans need fuel, insurance and repairs, and a breakdown during a big weekend can mean missed orders.
Buy fresh stock days before a holiday or wedding, before it can wilt into a loss- Staff up and stock up for Valentine's Day, Mother's Day and wedding season
- Keep delivery vehicles running and cover fuel, insurance and repairs
Where a florist line of credit does the heavy lifting
Six moments when florist cash flow needs backup — and how a Loot line of credit can help.
Stock up on fresh flowers ahead of a holiday rush
Valentine's Day, Mother's Day and other big flower holidays require ordering significantly more stock than usual, days or weeks before those blooms sell. A line of credit can help cover the stock-up without pulling cash away from payroll or delivery costs.
Staff and prep for wedding season
Wedding season often means extra designers, delivery drivers and prep hours booked well before the ceremony happens and the invoice gets paid. A line of credit can help cover payroll and materials so a shop can take on more weddings without a cash crunch.
Repair or replace a delivery vehicle
A broken-down delivery van can mean missed orders on the biggest sales weekend of the year. A line of credit can help cover a repair or a rental fast, so arrangements still go out the door on time.
Cover the gap between wilted stock and slow weeks
Unsold flowers lose their value fast, and the weeks between major holidays can be quiet while rent and payroll keep going. A revolving line can help smooth the gap between a big event weekend and a slower stretch.
Take on a large event or corporate contract
A big wedding, corporate account or venue contract can mean ordering significantly more flowers and hardgoods upfront, before that client pays the final invoice. A line of credit can help a florist take on bigger business without straining day-to-day cash.
Upgrade coolers and cold storage
Walk-in coolers and refrigerated display cases keep flowers fresh longer, but a failing unit can spoil an entire stock order overnight. A line of credit can help cover a repair or upgrade before inventory is lost.
How a florist line of credit helps
A business line of credit for florists provides flexible capital for fresh stock, delivery and seasonal staffing. Draw loot when needed, repay as sales come in, and keep every arrangement blooming.
Loot for fresh stock
Draw capital instantly to stock up on flowers before Valentine's Day, Mother's Day or a big wedding weekend.
No hidden costs
Only pay for what you use — no extra fees wilting your margin.
Fits any shop size
From a single storefront to a multi-location florist group, the line flexes with your needs.
Trusted by florist owners
Built by operators who understand perishable inventory, seasonal swings and wedding-season staffing. Transparent pricing, no hidden costs.
Speed that beats a wilting stock order
From application to funding, Loot provides florists with capital faster than fresh flowers lose their bloom.
Flexible like a wedding calendar
Use a little or a lot. Repay as sales come in. Scale limits as the shop grows.
How a Loot line of credit works for a florist
Say your shop needs $15,000 to stock up on flowers ahead of Mother's Day, book extra delivery drivers, and cover a cooler repair. With Loot, you can draw $15,000 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 holiday sales come in 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 florist financing
To qualify with Loot, your florist 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.
Florist 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, the line revolves as you repay | No, it is a one-time loan* | Yes, available credit renews as you pay |
| Best for | Fresh stock, seasonal staffing, delivery vehicle repairs, wedding-season cash flow | Larger one-time buildouts or a new storefront | Smaller purchases, subscriptions, or everyday expenses |
A term loan* can fit one large buildout. A business credit card can fit smaller daily expenses. A business line of credit can fit repeat florist needs, like fresh stock, seasonal staffing, delivery repairs, and wedding-season cash flow.
What florists can use a line of credit for
- Fresh flowers, greenery and hardgoods
- Cooler and cold-storage repairs
- Delivery vehicle fuel, insurance and repairs
- Designer and delivery driver payroll
- Wedding-season staffing and materials
- Valentine's Day and Mother's Day inventory stock-up
- Point-of-sale and design software upgrades
- Hiring, expansion, or a second location
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 independent flower shops
Financing for independent flower shops can help owners manage perishable inventory and the gap between paying growers and collecting daily sales. A line of credit can help cover fresh stock and payroll while the shop keeps running.
Financing for wedding and event florists
Financing for wedding and event florists can help cover extra stock, staffing and hardgoods needed weeks before a ceremony, well before the final invoice is paid. A line of credit can help a florist take on more events without straining cash flow.
Financing for florists around Valentine's Day and Mother's Day
Financing for florists around Valentine's Day and Mother's Day can help cover the deep inventory buy-in needed before these peak holidays. A line of credit can help the shop stock up in time for the rush.
Financing for florist delivery and cold storage
Financing for florist delivery and cold storage can help when a delivery van breaks down or a cooler fails. Perishable inventory can't wait for next month's cash flow. A line of credit can help cover the repair fast.
Financing for florists facing a slow stretch
Financing for florists facing a slow stretch can help cover rent and payroll during the quiet weeks between major flower holidays. A line of credit can help smooth the gap until the next rush arrives.
Financing for florists taking on larger event contracts
Financing for florists taking on larger event contracts can help cover a bigger flower and hardgoods order before a venue or corporate client pays the final invoice. A line of credit can help a florist grow without a cash crunch.
Florist financing FAQs
Yes. Florists can apply for a Loot business line of credit if they have 1+ year in business and $200K+ in annual revenue. Loot offers $5,000 to $100,000 with no collateral required.
Loot has no minimum FICO score requirement. Underwriting looks at real business cash flow, not just a credit score. Your florist business still needs 1+ year in business and $200K+ in annual revenue to qualify.
Florists can get a decision in minutes, and same-day approval is standard. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
Yes. Once approved, same-day funding is available for a $49 transfer fee. Transfer timing may depend on bank processing times and applicable cut-offs.
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. Florists can use a Loot line of credit for fresh flowers, greenery and hardgoods. You see the total cost before confirming and only pay when you draw.
Yes. Florists can use a Loot line of credit to cover extra designer and delivery driver payroll during wedding season. You choose a fixed weekly repayment plan upfront before confirming the draw.
Yes. A line of credit can help cover payroll and rent during the quiet weeks between major flower holidays, and it revolves as you repay so funds become available again.
Apply for florist financing today
Whether you need to stock up before Valentine's Day or want more room to cover a delivery van repair, a business line of credit can give your flower shop working capital without draining the cash needed for everything else.
Get $5,000 to $100,000. Apply in under five minutes with a soft pull that won't affect your credit score. If approved, 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