Lendus.

Florist Business Loans

From stock ahead of Valentine's Day to a new refrigerated display, fund your florist business with confidence. Lendus compares 200+ lenders so you can focus on the flowers, not the finance.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Range

£3k – £80k

Average Loan

£15k

for florist

Decision Speed

24–48 hrs

for unsecured loans

Eligibility requirements

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Loan types available

Merchant Cash Advance

Rate
Factor rate 1.15 – 1.45
Term
3 – 12 months
Security
Repaid as a percentage of card takings
Best for
Short-term funding to buy stock ahead of Valentine's Day and Mother's Day, repaid quickly once the peak has passed

Unsecured Business Loan

Rate
7.9% – 29.9% APR
Term
1 – 5 years
Security
No security required
Best for
Shopfitting, a delivery vehicle, or covering costs between the year's key trading peaks

Asset Finance

Rate
5.9% – 14.9% APR
Term
1 – 5 years
Security
The asset being financed
Best for
Refrigerated display units and delivery vans

Representative example

Borrow £15,000 over 36 months at 9.9% APR (fixed). Monthly repayment: ~£483. Rates depend on your circumstances and the type of loan.

Market context

Florists are among the most seasonally concentrated of all UK small businesses, with Valentine's Day and Mother's Day each representing a disproportionate share of annual turnover in a matter of days. Stock must be ordered and paid for several weeks ahead of these dates, well before the corresponding sales revenue arrives, which shapes much of how florists plan their finance.

Common challenges

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Bad credit?

Several of our 200+ lenders work with florist businesses that have imperfect credit. You may need a personal guarantee or higher rate, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

Frequently asked questions

How can I fund stock for Valentine's Day and Mother's Day?
A short-term unsecured loan or merchant cash advance taken out several weeks ahead of the date is the most common approach, funding the flower stock, packaging and any temporary staff needed for the peak. With a merchant cash advance, repayments are collected as a percentage of card takings, so they are concentrated around the busy trading period itself rather than spread evenly across quieter weeks.
What if I order too much stock and it doesn't sell?
Because flowers are highly perishable, over-ordering is a real financial risk that lenders in this sector understand well. Being able to show a track record of accurately forecasting demand for previous key dates, based on your own sales history, supports a stronger application when you are asking for stock funding ahead of a peak period. Keeping simple records of demand from previous years is a good starting point for this.
Can I get finance for a refrigerated display unit?
Yes, asset finance is the usual route for refrigerated display units and delivery vans, since the equipment itself is used as security. This spreads the cost over the equipment's working life rather than requiring a large cash outlay, which matters for a business where cash is tightly tied up around key seasonal dates. Lendus can compare asset finance terms so the repayment schedule fits around your quieter trading periods between key dates.
Does exchange rate movement on imported flowers affect my finance options?
Lenders will generally look at your overall margin management rather than exchange rates specifically, but a track record of managing supplier costs through currency movements supports a stronger picture of your business. If exchange rates significantly affect your buying costs ahead of a key date, building this into your funding request will help a lender size the facility correctly. Lenders will generally focus on your recent trading performance rather than currency markets specifically.

Equipment finance for florist businesses

Buying a specific machine or vehicle is usually cheaper than a general business loan, because the asset itself is the security. These are the items florist businesses most often fund, with the price range we see quoted in the UK.

Equipment Typical price range Finance page
Shop Fit Out £15k to £300k Shop Fit Out finance
Refrigerated Van £28k to £58k Refrigerated Van finance
Brushcutter Fleet £3k to £40k Brushcutter Fleet finance
Road-Tow Wood Chipper £5k to £45k Road-Tow Wood Chipper finance
Forestry Forwarder £19k to £250k Forestry Forwarder finance
Grading Line £20k to £400k Grading Line finance
Greenhouse £15k to £500k Greenhouse finance
Forestry Harvester £40k to £250k Forestry Harvester finance
Vegetable Harvester £40k to £350k Vegetable Harvester finance
Irrigation Boom £15k to £120k Irrigation Boom finance
Forestry Mulcher £8k to £120k Forestry Mulcher finance
Polytunnel £4k to £90k Polytunnel finance

Browse all equipment finance pages

Understand the loan structures

The table above shows what a florist business borrows for. These pages explain how each kind of borrowing actually works, what it costs and who it suits.

Business loans for bad credit Government-backed business loans Merchant cash advance Revolving credit facilities Business loans with no personal guarantee Secured business loans Start up business loans Unsecured business loans

Related industry loans

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Guides and resources

How to Get a Business Loan Business Loan Eligibility Secured vs Unsecured Best Business Loans UK iwoca Review Funding Circle Review

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