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
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Quick Decision with No Obligation

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Supporting British Businesses

Garden centre finance that grows with you

A Garden Centre Loan enables you to borrow a set amount of funding to help your business thrive and grow. With a merchant cash advance, which many garden centres use for finance needs, you can borrow funds equal to your card sale turnover and repay as and when you make a sale.

In the UK, there are an estimated 2,300 garden centres and retail nurseries - and we’ve already helped many find the finance they need ‘to grow’. Not only is acquiring an advance an easy process from application to decision, but it is quick too, with funds available, from start to finish, in just a couple of days.

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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Supporting your garden centre business

A garden centre is not an ordinary shopping experience where customers enter the premises, have a quick browse around and make a purchase and leave. It is a day out in itself for many. Research from The Horticultural Trades Association (HTA) report that over two-thirds of British adults visit a garden centre every year.

So it’s no surprise that Garden Centres treat customers as visitors to an attraction. It is a peaceful place to browse, relax and take time to discover new plants, flowers and shrubs. A visitor can view a whole array of outdoor garden furniture, garden tools, garden sheds, planters, plant pots and more to create their own outdoor living areas.

To keep your garden centre thriving in the modern world, it is vital that you can access funding quickly and easily. Staying ahead of the competition doesn’t just mean carrying on as usual. Making sure your garden centre is working well online via a great e-commerce website is key. Driving online sales through social media, having a strong brand across livery, vehicle signage, and having a garden centre premises that keeps customers on-site for longer are important factors for your business's future success.

A visitor can spend hours browsing, which is why many garden centres have created cafes and restaurants on site to keep visitors returning frequently - even when they don’t need to buy anything specific for their garden. It is a perfect place to visit, relax and socialise and is open for business seven days a week.

This is why it is important to keep reinvesting in your garden centre and maximise your visitor retention. By having a well-stocked nursery with a vast array of shrubs, plants and outdoor-living ideas, your visitors will keep returning and become your loyal customers.

With a merchant cash advance, you can raise the finance you need to invest back into your garden centre business. And, it is a straightforward and simple process. It’s not like a bank loan where the process can be laborious with a lot of administration. A cash advance can be with you in just a couple of days from start to finish. It also offers seasonal cashflow support too - when times are quiet, and sales are low, so too are your repayments.

For a quote, fill out our simple application form.

Apply Now

Quick Decision with No Obligation

Business Loans for Garden Centres - Customer at local garden centre

Garden Centre business loans for any purpose, such as:

  • Refurbishment, renovating and expanding your Garden Centre
  • Funding to purchase more plant stock, outdoor garden furniture, garden tools and garden sheds
  • Expand into other horticulture retail including clothing, homeware, furniture, gifts and books
  • Develop your restaurant or cafe on-site
  • Creating or developing an e-Commerce website
  • Marketing your garden centre through your online store
  • Purchasing vans and other vehicles such as fork-lifts
  • Emergency funding - repairs and on-site development
  • Market special events or advertise your business
  • Bolster cash flow, ensure wages and bills are paid on time
  • Hire new employees and grow your team

By using this form of business finance to fund your garden centre, the money can be with you in as little as a couple of days from making an application. Quotes are quick to obtain, and approval can be obtained on the same day, with funds available within 24 hours*.

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

As we’ve already mentioned, a merchant cash advance works alongside your customer debit and credit card sales. Simply agree upon a percentage of the card payments to dedicate to your loan repayments. This will be a percentage that you are comfortable with.

The funding is unsecured, which means none of your personal assets are at risk.

Even if you have a poor business credit rating, we can help fund your business. Your business is still eligible for financial support even with a poor credit history. Bad credit can sometimes put banks and high street lenders off from borrowing to small businesses and SME’s, but a business cash advance is extremely accessible and affordable, so it could be the perfect solution for your business.

Apply now and get a quick decision.

Whether you are in the early few months of trading or an established nursery, we can help. As long as you take credit or debit 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. Your business won’t be eligible if it is a startup with no trading history.

There are many uses you can use your garden centre business loan for. Replenishing stock such as ornamental crops, bedding plants, cut flowers, pot plants, outdoor living furniture, garden furniture, sheds and gazebos, garden machinery, tools and other landscaping. And for those garden centres looking to offer refreshments, they can use the funding for on-site restaurant and cafe development. Online website and eCommerce marketing is hugely popular for garden centres with people buying online with pick-up and delivery options available.

Some financial solutions require you to submit a business plan, which can mean the loan process is long and drawn out. With our product, 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.

To find out how much finance you could secure for your garden centre 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.

Apply Now

Quick Decision with No Obligation

Funding Britains Small Businessses

"We have helped many garden centre & plant nurseries 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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