Business Loans for Garden Centres & Plant Nurseries
Get £3k to £300k in 24 hours*
- Pay back through future card sales
- Unsecured – there’s no worry
- Same day business funding
Quick Decision with No Obligation
Get £3k to £300k in 24 hours*
Quick Decision with No Obligation
Whether you’re looking for a business loan to support cashflow, invest in stock, upgrade facilities, boost marketing, or fund seasonal improvements, we have a fast and flexible funding solution to help your garden centre grow.
Unlock funding from £3,000 up to £300,000 against your customer card sales.
Automatically repay a small percentage when customers purchase by card – There are no fixed payments.
The advance is unsecured, so your business assets are safe.
A quick decision and process mean you can access your money in just 24 hours* after approval.
The cost of the finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.
Apply at any time - We can process your application 24 hours a day.
Quick Decision with No Obligation
There are an estimated 1,500 garden centres and retail nurseries in the UK, and we’ve already helped many find the finance they need to grow. A garden centre is more than just a shop, it’s a day out for many customers. Research from The Horticultural Trades Association (HTA) shows that over two-thirds of British adults visit a garden centre every year.
Garden centres are treated as attractions, where visitors can browse plants, flowers, shrubs, outdoor furniture, garden tools, and more. Many centres also include cafés and restaurants, creating a space where people can relax, socialise, and spend time, even if they don’t have a specific purchase in mind.
To keep your garden centre thriving, it’s vital to reinvest and stay ahead of the competition. This includes maintaining a well-stocked nursery, creating a strong online presence through e-commerce and social media, enhancing branding across your site and vehicles, and ensuring your premises encourage visitors to stay longer.
Access to fast, flexible funding can make all the difference. A merchant cash advance allows you to raise the finance you need quickly and easily. Unlike traditional business loans or bank loans, the application is simple, approvals are fast, and funds can be available in just a couple of days.
Repayments are linked to your card sales, meaning that when sales are slow, repayments are lower, providing seasonal cashflow support. Whether you’re looking to expand your nursery, improve your premises, enhance your online store, or invest in on-site cafés and attractions, a merchant cash advance can help you grow your garden centre and keep your visitors returning.
Fill out our simple application form today to receive a quick, personalised quote.
Apply NowQuick Decision with No Obligation
A merchant cash advance for your garden centre can provide funding in as little as 24 hours**. The application process is quick and straightforward, and approvals can often be given on the same day. This means you don’t have to wait weeks for a decision like you would with a traditional bank loan.
A merchant cash advance gives your garden centre the funding it needs without the rigid terms of traditional commercial loans. Repayments are taken as a small percentage of your card sales, so they naturally adjust with your revenue meaning you only pay when you earn. The percentage is agreed upfront and can be set at a level that works for your business, giving you control over your cash flow.
Unlike conventional loans, it's unsecured, meaning none of your assets are at risk. There are no fixed monthly repayments, no long approval processes, and no lengthy paperwork. This makes it faster, simpler, and less stressful than bank loans, overdrafts, or other forms of commercial finance, while still giving you the funding you need to invest in stock, facilities, marketing, or seasonal improvements.
Absolutely! A merchant cash advance doesn’t rely on your credit score like traditional high street lenders or banks do. So even if you have a poor credit rating, we can still help your business access fast and flexbile finance it needs to grow.
Apply now and get a quick decision.
We can help garden centres and nurseries at any stage of trading, from new businesses with a few months of trading history to established operations. You could be eligible for a garden centre business loan if your business meets the following criteria:
Unfortunately, startups without a trading history are not eligible.
A garden centre business loan can be used for a wide range of purposes to help your business grow. You can use the funding to replenish stock such as ornamental crops, bedding plants, cut flowers, pot plants, outdoor furniture, sheds, gazebos, garden tools, and machinery.
For garden centres looking to expand their offerings, the loan can also be used to develop on-site cafés or restaurants to attract more visitors. Online sales are increasingly important, so the funding can support website improvements, eCommerce functionality, and marketing campaigns to reach more customers.
Whether you’re investing in stock, facilities, or marketing, we have the funding to help you grow and improve your business.
Not at all. With a merchant cash advance, there’s no need to submit a business plan. This keeps the process simple and fast, so you can get the funding you need without unnecessary paperwork or delays.
Applying is quick and simple. Complete our online application form with a few basic details about your garden centre, and we’ll provide a no-obligation quote fast. You’ll know exactly how much funding you could access, helping you plan and grow your business with confidence.
Quick Decision with No Obligation
"We have helped many garden centre & plant nurseries across the UK receive funding to grow"
£20+ Million
Total Funded to Businesses
90%
Application Approval Rate
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.
Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.
The merchant cash advance can be with you in as little as 24 hours* after approval.
You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.
Quick Decision with No Obligation
