Materials cost money before the job pays. Get working capital, equipment financing, and invoice factoring designed for flooring contractors — funded in as little as 24 hours.
Get Funded Now — Apply in 5 MinMax funding for qualified flooring contractors
Average time from approval to funding
Minimum credit score for most products
Minimum time in business to qualify
The flooring business runs on a brutal cash flow cycle. A homeowner or general contractor signs a contract — and before you see a single payment, you're already out of pocket for materials that can easily run $8,000 to $40,000 on a mid-size job.
Whether you're installing Shaw hardwood at $6–$12 per square foot, Pergo laminate for budget-conscious clients, luxury vinyl plank from COREtec or LifeProof, large-format porcelain tile, or Mohawk carpet systems — the materials have to be purchased and staged before your crew shows up.
Then factor in:
A business line of credit or working capital loan gives you the liquidity to start jobs confidently, bid more aggressively, and keep crews deployed even when three jobs overlap.
| Flooring Type | Material Cost | Typical Job Size | Upfront Outlay |
|---|---|---|---|
| Solid Hardwood (Shaw, Bruce) | $6–$14/sq ft | 1,500 sq ft | $9,000–$21,000 |
| LVP (COREtec, LifeProof) | $3–$8/sq ft | 2,000 sq ft | $6,000–$16,000 |
| Porcelain Tile (Daltile, MSI) | $4–$12/sq ft | 800 sq ft | $3,200–$9,600 |
| Carpet (Mohawk, Shaw) | $2–$7/sq ft | 2,500 sq ft | $5,000–$17,500 |
| Epoxy/Polished Concrete | $3–$12/sq ft | 5,000 sq ft | $15,000–$60,000 |
Most residential flooring jobs require 40–60% of the total project cost upfront in materials alone — before labor is paid. Commercial jobs are even more demanding, with net-30 or net-60 payment terms standard in the industry.
A lump-sum deposit to cover materials, payroll, and overhead. Fixed daily or weekly repayments from business revenue. Best for flooring companies with consistent monthly deposits. Amounts: $10K–$500K.
Draw what you need, when you need it. Only pay interest on what you use. Ideal for flooring contractors who have multiple jobs cycling simultaneously and need flexible access to capital.
Receive a lump sum repaid as a percentage of daily card or bank deposits. Approval is based on revenue, not credit score — making it accessible to newer flooring businesses or those with past credit issues.
Finance floor sanders, tile saws, moisture barriers, dust containment systems, and installation vehicles. The equipment itself serves as collateral. Terms up to 60 months with competitive rates.
Sell your outstanding invoices to get paid now instead of waiting 30–90 days. Perfect for commercial flooring subcontractors on GC-managed projects. Advance rates typically 80–90% of invoice value.
Repayments adjust to your monthly revenue — pay less when jobs are slow, more when they pick up. Fixed daily/weekly ACH payments scaled to your business volume. No equity given up.
Suppliers like Floor & Decor, Builders FirstSource, and regional distributors often require payment on delivery or net-7 terms for smaller contractors. A business line of credit lets you draw exactly what you need, pay the supplier, and repay once the homeowner's progress payment hits.
A professional Bona belt sander system runs $3,000–$7,000. A wet tile saw with diamond blade setup hits $1,500–$4,000. Radiant heat system installation tools, moisture measurement equipment, and trailer-mounted dust containment systems are significant capital outlays. Equipment financing spreads those costs over 24–60 months so your operating cash stays available for materials and payroll.
Commercial property managers and general contractors almost always pay on net-30 to net-90 terms. If you're installing flooring in apartment complexes, office renovations, or retail buildouts, you may be carrying $50,000–$200,000 in receivables at any given time. Invoice factoring converts those receivables to cash immediately — so you can start the next job without waiting for the last one to settle.
Spring and fall are peak seasons for residential flooring installs. Working capital gives you the runway to hire additional subcontractors, purchase larger material quantities at bulk discounts, and take on more jobs simultaneously — capturing market share during the months when demand peaks.
A 7-year flooring company in Tampa is awarded a $180,000 apartment complex flooring contract — 120 units of LVP installation. Material cost: $64,000. GC payment terms: net-45. Using a $70,000 working capital loan at approval, they purchase all LVP from a regional COREtec distributor, complete installation in 6 weeks, collect the GC payment, and retire the loan — netting roughly $80,000 in profit after financing costs. Without the loan, they couldn't have accepted the contract.
| Product | Min. Revenue | Min. Credit | Time in Business |
|---|---|---|---|
| Working Capital Loan | $15K/mo | 600 | 12+ months |
| Business Line of Credit | $10K/mo | 620 | 12+ months |
| Merchant Cash Advance | $10K/mo | 550 | 6+ months |
| Equipment Financing | $8K/mo | 580 | 6+ months |
| Invoice Factoring | N/A (invoice-based) | No min. | 3+ months |
| Revenue-Based Financing | $12K/mo | 560 | 6+ months |
Complete our 5-minute online application at merchantfundexpress.com/current-application.html
Upload 3 months of business bank statements. That's all we need to start your review.
Receive offers within 4 hours. A funding specialist reviews your file and presents options matched to your revenue and goals.
Sign your agreement digitally. Funds wire to your business account within 24–72 hours of final approval.
Flooring contractors can access working capital loans, business lines of credit, merchant cash advances, equipment financing, invoice factoring, and revenue-based financing through Merchant Fund Express. Each product is suited to different cash flow needs — from covering material deposits to financing a tile saw or factoring a slow-paying GC invoice.
Flooring businesses can qualify for $10,000 to $500,000 depending on monthly revenue, time in business, and credit profile. Most approved flooring contractors receive funding within 1-3 business days. Larger amounts are available for established companies with strong revenue history.
Yes. Merchant Fund Express evaluates business revenue and cash flow — not just credit score. Flooring companies with scores as low as 550 may qualify for a merchant cash advance or revenue-based financing. We look at your bank deposits and business performance first.
Funds can be used for hardwood, LVP, tile, or carpet materials; crew payroll and subcontractor payments; equipment like floor nailers, tile saws, and orbital sanders; vehicle wraps and marketing; and covering the cash flow gap between project start and final homeowner or GC payment.
Most flooring contractors receive funding within 24–72 hours of approval. The application takes less than 5 minutes online, and a funding advisor can also walk you through it at (305) 384-8391. We review your file the same day it's submitted.
Most of our financing options are unsecured — no collateral required for working capital loans, lines of credit, MCAs, or revenue-based financing. Equipment financing uses the equipment itself as collateral, which streamlines approval and often improves rates.
Most products require at least $10,000/month in gross revenue and 6+ months in business. Higher monthly revenue unlocks larger loan amounts and better terms. Invoice factoring has no minimum revenue requirement — it's based on your receivables.
Yes. If your flooring company works on commercial projects and waits 30–90 days for GC or property manager payments, invoice factoring lets you sell those receivables for immediate cash — typically 80–90% of the invoice value advanced the same day. The factor then collects from your GC directly.
Reviewed by MFE Funding Team | Updated March 2026
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