Lay the Foundation for Growth
with Flexible Flooring Financing.

Why Flooring Businesses Choose Biz2Credit for Financing

Tiles and flooring professionals across the U.S. turn to Biz2Credit because we understand what business owners need to grow. While we don’t offer flooring financing directly, our financing solutions are used for that very purpose—whether it's purchasing tile inventory, managing payroll, or expanding a showroom. We’ve supported more than 200,000 businesses by simplifying the financing process and offering fast decisions, competitive rates, and a digital-first experience. With Biz2Credit, you can explore funding solutions that suit your business goals, including options used for hardwood flooring financing and property expansion. Our dedicated team is always ready to answer questions and help you complete the application quickly. And the best part? No waiting in lines or piles of paperwork. Biz2Credit is the platform trusted by flooring professionals to unlock the funds they need, when they need them.

Our Strengths:

• Repayment Simplicity We have simple repayment options for flooring financing with flexible repayment terms. See your payment schedule and make payments any time in your Biz2Credit account.
• Dedicated Funding Specialists Consult a funding specialist to determine what financing options fit your business best or get help at any time along the way as you complete our online funding application.

Flooring Financing Explained: How It Supports Your Business

Flooring financing refers to business funding solutions that companies in the tiles, carpet, and hardwood sectors use to cover key costs. These costs can include bulk inventory purchases, retail upgrades, showroom buildouts, or equipment investments. Since flooring products often require upfront payment or large minimum order quantities, access to capital is critical. You might also need floor plan financing to buy inventory now and pay later, keeping your working capital free for other needs. Biz2Credit offers financing options that are widely used for these business needs, helping flooring companies stabilize cash flow and grow operations. Whether you’re expanding a store, fulfilling a high-value project, or adding staff, financing can help you move forward without compromising your day-to-day operations. By using financing wisely, flooring businesses can stay ahead of market demand and seize new opportunities without delay.

Explore Flooring Financing Options from Biz2Credit

1. Term Loans

Term loans offer stability and structure, perfect for flooring businesses managing long-term projects. With a lump sum disbursed upfront, business owners can invest in store renovations, inventory purchases, or warehouse expansion and repay the amount over time with fixed terms. It’s one of the most commonly used options that functions similarly to flooring financing, giving you the flexibility to execute growth plans without waiting on cash flow.

Biz2Credit offers term financing options that work well for established flooring businesses looking to scale or upgrade operations. Whether you’re investing in new display racks, high-end hardwood flooring inventory, or transport vans, a term loan allows you to plan your repayment clearly while moving forward confidently.

Eligibility Criteria:

• A credit score of 650 and above.
• At least 18 months in business.
• Annual revenue of $250,000 or more.

2. Revenue-Based Financing

Revenue-based financing gives flooring businesses the freedom to access capital without the pressure of fixed monthly payments. Instead, repayments are tied to a percentage of your business’s revenue, perfect for operations that experience seasonal sales or project-based cash flow.

This form of financing is useful when you’re managing project surges, such as bulk tile orders or custom hardwood flooring installations. While it's not a loan, many flooring companies use revenue-based financing in place of traditional flooring financing to manage upfront expenses without disrupting cash flow.

It works well when you’re adding a new line of luxury flooring, opening pop-up showrooms, or running limited-time promotions. Payments adjust as your business earns, giving you breathing room during slower months.

Eligibility Criteria:

• A credit score of 575 and above.
• A minimum of 12 months in operation.
• Annual revenue of $250,000 or more.

3. Commercial Real Estate Loans

If your flooring business is ready to invest in property - whether to expand your showroom, open a new warehouse, or renovate your office - commercial real estate loans are a practical solution. Biz2Credit offers financing options that function as flooring financing when used for building out physical space or leveraging property equity.

These loans are used by established flooring businesses seeking to solidify their physical footprint. Whether you’re looking to own rather than lease, or tap into your property’s equity to finance equipment upgrades, commercial real estate financing can help.

With longer repayment terms and competitive interest rates, these loans can ease the burden of upfront capital outlay while giving your business room to grow. Just remember, property is used as collateral, so this option suits business owners confident in their long-term growth.

Eligibility Criteria:

• A credit score of 650 and above.
• Minimum 18 months in business.
• Property as collateral.
• Annual revenue of $250,000 or more.

Why Flooring Financing Makes Business Sense

1. Stock High-Quality Inventory Without Draining Cash Flow

Tiles and flooring products are expensive to produce, import, or distribute. When you need to stock a wide variety - from imported marble tiles to engineered hardwood panels - costs rise quickly. Flooring financing allows you to purchase large volumes of stock in advance, especially when you want to capitalize on seasonal discounts or bulk order deals.

Businesses often use financing solutions in place of floor plan financing to manage inventory without blocking operational cash. This strategy gives flooring retailers the flexibility to offer diverse options without overextending resources.

2. Renovate or Expand Your Showroom

A showroom is the heart of any flooring business. Whether you’re showcasing luxury vinyl tiles, plush carpets, or reclaimed wood, the look and feel of your display area impacts customer trust. Using flooring financing to renovate or expand your showroom lets you attract more clients and close higher-value deals.

This is especially useful when introducing new product lines. You can build niche sections for hardwood flooring financing-related displays or immersive product demos, improving the buyer experience and increasing conversions.

3. Upgrade Equipment and Delivery Infrastructure

Cutting and transporting tiles, measuring installations, or handling carpet rolls all require specialized tools and logistics. Flooring financing helps you invest in updated machinery, better delivery vans, or even software to manage customer orders more efficiently.

Without funding, these upgrades are often delayed, impacting service quality. Financing allows you to spread out the cost of upgrades over time, reducing the pressure on your operating budget while enhancing the quality of your business.

4. Prepare for Large Projects or Contracts

Securing a commercial flooring contract or a municipal renovation job often means fronting material costs, hiring labor, and expanding operations before you get paid. Flooring financing gives you the working capital to prepare for these big jobs without missing out.

It can also be used like carpet financing when managing custom orders that require niche products. Access to capital ensures you don’t lose business due to financial constraints when opportunity knocks.