Garden Store Business Loans

Simple application. Simple process.

Ready, set, grow! Garden store business loans made easy.

Owning and operating an independent garden store requires capital for rent, utilities, marketing, and employee payroll. But, of course, let us not forget the inventory, which is the focal point of your garden store. Your customers come to your store looking for potted plants, vegetables, flowers, shrubs, trees, garden tools, equipment, and mulch. All of these expenses can add up fast. So, if you need a quick influx of cash, look no further than Balboa Capital. We are a top-rated lender that offers garden store business loans.

Getting started is easy. You can apply for a small business loan quickly right on our website. Then, if your loan application is approved and you decide to move forward, one of our helpful business funding specialists will contact you to discuss your options and answer any questions you have.

  • Loans from $20,000 to $250,000
  • If approved, same-day funding is available
  • Easy online application
  • One-hour approval decisions during regular business hours
  • Flexible terms available
  • Competitive rates

Business loans in 3 easy steps.

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  1. Submit a simple online application.

  2. Get a prompt decision during our normal business hours.

  3. If your application is approved, funds will be provided fast.

What we look for.

Qualifications 2

Minimum of one year in business

$300,000+ in annual revenue

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FICO® score of 620 or more

These are some of our minimum lending requirements, and meeting them does not constitute a business loan approval.
Should you apply for a small business loan, additional lending criteria will determine if you qualify.

Flexible loans for daily business needs.

Local garden stores like yours are the go-to choice for informed advice about all things gardening. In addition, local garden shops stock up on plants, flowers, and trees that can thrive in the area their shops are located. People like shopping at their local garden store because it supports local, family-owned businesses.

As you know, the garden store industry in the United States is highly competitive. So chances are, you compete against other independent garden shops and big-box retail stores with garden centers. To stay competitive, you must ensure that you have inventory throughout the year, especially in spring, when there is a high demand for plants, flowers, and vegetables. A business loan from Balboa Capital can be used for inventory and many other daily business expenses. Try our small business loan calculator to see predictable payments based on several different terms.

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Reasons to choose Balboa Capital.

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Bank-owned business lender

Over $8 billion funded nationwide

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Simple, quick process