Florist & Gift Stores

Happiness for Others

Gift and floral shops provide a valuable service to customers – helping them make someone happy. As a shop owner you have the privilege of helping someone choose the right gift or floral arrangement for the person they want to give it to. A spouse or lover, a best friend, a child, someone who's fallen ill. You know the right product for every occasion and your customers depend on you for your knowledge and empathy. With today's economy, your business is more important than ever. You help others express condolences, give hope, and keep a sense of normalcy. This economy has made it tough for small business owners to operate their stores and you've certainly felt the pressure. There is a great option for help, though.

Cash for Cards

Our economy has seen a lot of changes across all industries. Many suppliers are refusing to deliver products on credit today. Fears of bankruptcies, failing businesses, and merchants delaying payments have caused this shift in the way suppliers do business. If you are one of the millions of business owners suddenly having to pay cash for all shipments you may be wondering just how you can make ends meet. You need to keep a large supply of stock on hand so that customers can find exactly the perfect gift for the right person on the right occasion. Compound that with certain events or holidays, such as prom or Valentines Day, when you have to purchase larger quantities ahead of time to meet demand and you have a real dilemma on your hands. Or you are one of the shops that can still use credit for deliveries, but you need extra funding for repairs to refrigeration units, adding delivery services, changing location, or advertising new services to bring in new customers. In any event you need cash now, but you're not sure how to proceed. You've thought about a small business loan, but that isn't ideal. The perfect solution for your gift or florist shop is a Merchant Cash Advance.

The Thorny Pricks of a Loan

Loans are not the best way to fund your business, especially in today's market. And a get well card won't ease the headache it gives you. Banks have imposed tighter restrictions for small business loans, making it harder to obtain and use a traditional loan. Banks require collateral and personal guarantees more often than in the past, but your gifts and flowers on stock won't pass as collateral because a bank can't easily sell them for profit. It's possible you would have to pledge personal assets such as your home, stocks, or fine jewelry. Even if you do qualify and get your loan you will have to wait up to several months to get it. And with a loan you have to make a set minimum payment every month by a certain date or risk a late fee. A Merchant Cash Advance is the right choice for your shop.

Financing for Flowers

With a Merchant Cash Advance you avoid all of the hassles of a traditional small business loan. You don't need collateral, there are fewer restrictions, you get your money in days, and the repayment process is simple and fast. Many merchants pay off their advance in less than a year. The best part is you don't make a set payment each month like you would with a loan; instead you pay on your advance based on the daily success of your establishment. With a Merchant Cash Advance you aren't applying for a loan, you are selling a portion of future credit card sales. What this means is you receive a cash advance in exchange for a very small percentage of credit and debit card sales until the advance is paid off. During slower days you pay less, and when things pick up and business is booming, you pay your advance off faster. This is perfect for your shop where business can be booming one day, and creeping along another. The process happens automatically so there isn't an extra bill to keep track of each month. Once the advance is paid off, that's it. You're done.

Contact Fastpoint Financial Today

A Merchant Cash Advance is the ideal way to fund your gift or florist shop these days. It is simple, fast, and convenient. You get your money, spend it how you want, and pay it back through an automated process that adjusts to your business' pace. Fastpoint Financial is ready to advance you the cash you need now. Contact Fastpoint today and their friendly customer support staff will help you through the simple application process. Don't put off getting the cash your shop needs any longer.