Flower Shop Financing & Florist Equipment Leasing
Coolers, delivery vans and cash for the big holidays
Liberty Capital finances florists, flower shops, wedding and event florists and floral wholesalers: walk-in floral coolers, refrigerated display cases, delivery vans and the working capital to stock up before Valentine’s Day and Mother’s Day. New or used equipment, nationwide.
Florist equipment and flower shop needs
Flowers are perishable, so the cold chain is the business. Most florists finance the equipment that keeps stems fresh and gets them delivered on time.
Built for florist seasonality
Florists do a big share of the year’s sales around Valentine’s Day, Mother’s Day, prom, weddings and the winter holidays, and the flowers have to be paid for before the orders come in. A business line of credit or short-term working capital covers that inventory buy, and you pay it down after the rush.
Use short-term money for short-term needs and leases for equipment. Matching the term to what you buy keeps the payments from piling up in a slow month.
Why florists lease equipment instead of paying cash
Leasing is an inflation buster: your payment is fixed while the price of coolers, vans and stems keeps rising. It is cash flow management, with a low capital outlay compared with buying outright, so cash stays free for flowers and staff. Payments are low and manageable, terms run up to 5 years, and most leases end with a $1 buyout, so you own the equipment.
Leased equipment may qualify for Section 179, a potential 100% deduction in the year it is placed in service (ask your CPA). The point is to conserve cash for the season.
Lease, loan or working capital?
| Equipment lease ($1 buyout) | Equipment financing (EFA) | Working capital / line of credit | |
|---|---|---|---|
| Best for | Coolers, cases, vans | Equipment you want to own outright | Holiday inventory, payroll, marketing |
| Term | Up to 60 months | Up to 60 months | 3–24 months |
| Payments | Monthly, fixed | Monthly, fixed | Daily, weekly or monthly |
| Funds go to | The vendor | The vendor | Your business |
| Startups | Considered | Considered | Usually 6+ months of revenue |
*Application-only limits vary by credit, time in business, equipment type and industry.
What it takes to qualify
- 600+ credit for smaller equipment deals; 650+ for $50K and up
- 3–4 months of business bank statements
- Equipment invoice or quote
- Working capital: steady deposits and usually 6+ months in business
- $0 down is reserved for 5+ years in business, established PayNet and D&B business credit and 700+ personal credit
Startups
New flower shops are reviewed case-by-case. Strong personal credit, floral industry experience and a down payment help. Equipment leases are usually easier to get as a startup than unsecured working capital, because the equipment secures the deal.
From quote to install
- Get a quoteFrom your cooler, case or van vendor
- Apply in minutesOne-page application; soft inquiry to start
- Get approvedOften within a business day on smaller deals
- We pay the vendorYou schedule delivery and install
Flower shop financing questions
Can I lease a walk-in floral cooler?
Yes. Walk-in and glass-front floral coolers can be leased, including installation, usually on a $1 buyout lease so you own the cooler at the end.
How do florists pay for Valentine’s Day inventory?
Many use a business line of credit or short-term working capital to buy flowers ahead of the holiday, then pay it down from holiday sales.
Can I get financing to open a flower shop?
Yes, case-by-case. Startups usually need good personal credit and a down payment, and equipment leases are easier to get than unsecured loans.
Can I finance a refrigerated delivery van?
Yes, new or used, from a dealer or private seller, with terms up to 60 months.
What credit score do I need?
Generally 600+ for smaller equipment deals and 650+ for $50K and up. Lower scores may be approved with a down payment.
Will applying hurt my credit?
We start with a soft inquiry. The lender runs a hard inquiry only when you move forward.
Ready for your busiest season?
Get a free quote or call (888) 511-6223.
Rates and terms disclosure: any rates, payments or terms shown are examples only. Sample rates apply to established businesses with 3 to 5+ years in business and strong credit (680+ FICO), subject to credit approval. Startup rates vary and are subject to final approval. Application-only limits vary by credit, time in business, equipment type and industry; amounts shown are guidance, not a promise. $0 down is reserved for businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. This is not an offer or commitment to lend. Not tax advice; ask your CPA about Section 179.