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Business Loans for Florists

Due to constant competition and seasonality effects, owner and operating a flower shop can be quite the feat. Whether you need additional working capital to purchase inventory in bulk during peak times of the year or to fix cash flow issues during slow times, Excel Capital Management is here to provide florists with the funding solutions they need.

The Unique Cash Flow Requirement for Florists

Flower shops have unique cash flow requirements. Being able to maintain the shop, purchase inventory, and promote your selection of flowers to customers is key to generating the revenue needed for your business to last for years and years. Sometimes, a little extra working capital is needed to help out.

Business Loan Options for Florists

Excel Capital Management offers  small businesses which have been operating for a minimum of three months, a chance to grow their business by flexibly and strategically granting them working capital and business loans for florists. There are no restrictions on what you can or cannot do once the loan is credited to your account and you can use it as you please to grow your flower shop.  Here are the top 5 reasons florists obtain business loans:


  1. Inventory – As seasons shift, inventory needs shift; For instance, bulk inventory purchases need to be made for holidays such as Valentine’s Day or Mother’s Day compared to other times during the year.
  2. Advertising – The flower shop business is a competitive which means your marketing and advertising must be up to par. This can be expensive.
  3. Payroll –  Due to seasonality, many florists find themselves in a bind at certain times throughout the year when it comes to paying their employees.
  4. Taxes –  No business owner enjoys tax time. Florists are no exception, and many find themselves in need of a business loan to cover the high cost of filing their taxes each year.
  5. Expansion – Whether you want to build an addition to your existing business or open a new location, a business is usually needed to help out with that.


Excel Capital Management understands the hard work that you put in when running a small business and the need for proper business  funding on both rainy and sunny days, and that is exactly why they have designed flexible and convenient loan options to what options Excel Specializes in. 
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