Business Loans for Florists

Get £3k to £300k in 24 hours*

  • Pay back through future card sales
  • Unsecured – there’s no worry
  • Same day business funding
Apply Now

Quick Decision with No Obligation

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Supporting British Businesses

Fast business loans for flower shop owners

As the high street changes and consumer trends alter, it's important to stay ahead of the competition to succeed. Whether you need finance for your flower shop to establish itself online, take on more staff, purchase a delivery van or refurbish your premises, we can help your business secure the cash it needs to flourish.

Works with your existing PDQ card machine

Works with your card sales

Unlock funding from £3,000 up to £300,000 against your customer card sales.

Flexible repayments - repay when you sell

Flexible repayments

Automatically repay a small percentage when customers purchase by card – There are no fixed payments.

Unsecured finance - No asset security required

No asset security required

The advance is unsecured, so your business assets are safe.

Keep 100% of cash transactions

Fast funding

A quick decision and process mean you can access your money in just 24 hours* after approval.

No hidden costs

No hidden costs

The cost of the finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.

Apply online 24 hours a day 7 days a week

Apply online 24/7

Apply at any time - We can process your application 24 hours a day.

Apply Now

Quick Decision with No Obligation

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Flexible finance to make your flower shop grow and thrive

As a florist, we know there is no machine that can do your job. Floristry will always remain a people job with that 'human touch'. The trade calls for highly skilled designers with a creative flair, and it will remain that way for years to come. With 12,769 professional flower shops employing over 19,024 people across the UK, competition can be fierce, and the need to access fast cash to grow your business has never been greater.

It is often the case that banks seem to make it difficult for smaller UK businesses to borrow. Instead of supporting home-grown industries, business owners are subject to long waits for a decision and a sterile approach to lending. It is time for a change in business loans, a change that will benefit the British floristry trade and encourage expansion in the profession.

A merchant cash advance is a perfect solution to help fund your flower shop business. It doesn't work like a conventional business loan that you may be familiar with, such as a bank loan where you repay with regular matched repayments each month. Instead, repayments are only made when you make a sale through your merchant PDQ machine. This means that when flower sales are low, so too are your repayments - in line with your customer sales.

Our aim is to help in the expansion of small businesses in the UK with our alternative finance product. The funding allows you to do bigger and better things to expand your creativity and your business simultaneously. To find out more and receive a quote, fill out our simple application form now.

Apply Now

Quick Decision with No Obligation

Business Loans for Florists - A flower shop owner taking card payment from customer

Flower shop business loans for any purpose, such as:

  • Develop your online store / e-commerce website to feature your latest offers and creations
  • Help to purchase more flower stock to create bouquets and arrangements
  • Market special offers for Valentine's Day, Mother's Day and other special occasions
  • Flower shop refurbishments, renovations and expansions
  • Expand your product line with additional gift ideas
  • Help with cash flow, ensure wages and bills are paid on time
  • New florist van or other vehicles
  • Use your loan for an emergency fund - repairs and more
  • Hire new floristry staff / flower arrangement

A florist business loan is a form of unsecured finance that is crafted for florists and flower shop businesses across the UK. It can be used for many purposes to help your business grow, such as marketing, purchasing stock, refurbishments and to improve short term cashflow.

The speed at which we can help you secure funding for your flower shop is one of the biggest draws for UK businesses. Imagine a simple application process, followed by access to funding in as little as 24 hours*. It’s impressive, even if we do say so ourselves!

There’s no need to wait around for weeks for finance when you can access between £3,000 and £300,000 almost instantly.

A merchant cash advance lets you borrow from £3000 up to £300,000 against your customer debit and credit card sales. Repayments are automatic and straightforward. You agree on a small percentage of all future card transactions that will go towards paying off the advance - a percentage you're comfortable with, and you will never have to worry about working out what you owe.

There's no up-front cost, no hidden charges and no surprises. Another great benefit is that they are not secured, so none of your assets would be used as security.

We want to support UK business growth with our innovative financing. At Merchant Loan Advance, we believe in transparency and honesty, that’s why we do not hide any charges from our customers, and you will have no surprises at the end of the month.

Even if you have a poor business credit rating, we can help you. Your business is still eligible for financial support with a poor credit history. If you feel like you’ve exhausted all your financial options for a traditional business loan, a merchant cash advance could be the solution for you. Bad credit can put some banks and high street lenders off, but a merchant cash advance is extremely accessible and affordable, so you needn’t worry.

Apply now and get a quick decision.

Whether you are in the early few months of trading or an established florist on the high street, as long as you take credit card payments from your customers, then you could be eligible. If your business doesn’t quite slot into this sector, check out our full sector page

Growing your flower shop business (pardon the pun) is your main focus. Cementing your business name on the high street and online in your local area is key. You may be looking to give the shop a facelift and refurbish, expand your products into new areas such as the gift market, buy a business vehicle such as a flower delivery van, develop your website, or, simply need the finance to help with cash flow. There are plenty of things for you to spend your loan on, grow or simply sustain your business!

Some financial solutions require you to submit a business plan, which can mean the loan process is long and drawn out. With a merchant cash advance, that’s not the case - you’ll be no doubt happy to hear! We do not require a business plan from you to enable us to make a decision. This will save you time and will speed up the lending process.

If you're worried about your assets, we can remove that worry for you instantly - our advances are unsecured. This means none of your business assets are in danger! This is a fresh way of lending to UK floristry businesses; we're not interested in acquiring your assets, we're only interested in supporting the economic growth of small businesses, just like yours.

To find out how much finance you could secure for your flower shop business, complete our quick and easy application form. After we’ve got a few basic details from you, we’ll get back to you sharpish with a no-obligation quote.

We’ve got your finances covered, and we are here to help your floristry business grow.

Apply Now

Quick Decision with No Obligation

Funding Britains Small Businessses

"We have helped many florists across the UK receive funding to grow"

£20+ Million
Total Funded to Businesses

Application Approval Rate

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It's as easy as 1-2-3!

The process is fast, simple and straightforward. It's hassle-free, meaning there's no complicated paperwork to complete so you can focus on growing your business.

Step 1 - Apply online in minutes


Apply online in minutes

Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.

Step 2 - Get funded in 24 hours


Get funded in 24 hours*

The merchant cash advance can be with you in as little as 24 hours* after approval.

Step 3 - Pay back only when you sell to your customers


Repay only when you sell

You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.

Apply Now

Quick Decision with No Obligation

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