HOME DECOR
BRAND INDUSTRY
INVENTORY FINANCING
Lower costs & higher funding limits for your home decor brand
Kickfurther funds up to 100% of your inventory costs on flexible payment terms where you don’t pay until you sell. We fund your entire order(s) each time you need more inventory, so you can put your capital to work growing your home decor brand without adding debt, giving up equity or locking up cash in inventory orders.
- Often 30% lower cost than alternate lenders
- Quickly fund $5,000,000+ in inventory for your home decor brand
- Create your payment schedule (1-10 months)
- Sell new inventory before paying for it
What to Know About Home Decor Business Financing
Home decor financing is a type of loan that home decor business owners can use to pay for any company-related expenses. There are certain types or funding or loans that can only be used for certain operations. For example, inventory loans or funding may only allow companies to buy inventory, while a general business loan can usually be used for any business expense. Loans and funding can have a variety of repayment terms.
How Home Decor Business Financing Works — and Who it Helps
Financing for a home decor business will vary based on the type of loan or funding used, but most options begin with an application or qualification process. Traditional lenders often look for strong credit and business history, while others may accept inventory or assets as collateral. If those aren’t available, alternative loans may be an option, though they typically come with higher rates.
Who is Home Decor Financing Is Suited For?
Once approved, funding is issued and repaid on a set schedule — daily, weekly, or monthly — though some platforms offer more flexible repayment terms. For example, certain private funding platforms allow home decor brands to raise capital directly from backers and delay repayment until products begin selling.
Home decor manufacturers, retailers, and interior designers all use financing to cover costs like materials, equipment, staff, marketing, and renovations. Whether you’re producing goods, stocking a showroom, or taking on client projects, funding can help smooth out cash flow and support growth.
What Costs Can You Cover with Home Decor Business Financing?
Home decor business loans can give you the flexibility to grow your brand without tying up cash or taking on unnecessary risk. Depending on the type of business you run, financing can help cover important costs such as:
Inventory
Whether you’re launching new products or preparing for a busy season, funding can help you stock up so you don’t miss sales or delay orders.
Marketing and Advertising
Every brand needs visibility to grow. Financing can be used for marketing materials, digital ads, software, and hiring a team to drive awareness and conversions.
Renovations and Expansions
If you’re working out of a retail space, financing can support rent, renovations, or build-outs as your business grows.
Staffing
Payroll is often one of the biggest expenses for home decor brands. Funding can help you hire new employees or maintain healthy cash flow during slower months.
With the right financing in place, you can access the capital you need to support and scale your home decor business — without giving up equity or taking on traditional debt.
Exploring Your Home Decor Business Financing Options
There are several home decor brand financing options to choose from — including solutions that can support women entrepreneurs seeking home decor business loans tailored to their needs. These include the following:
Bank Loans
Banks can provide home decor businesses loans. However, they may require business history and a good credit score which can be difficult for startups to provide. They also tend to take a month or two to fund. While you may be able to find single–digit interest rates and generous loan terms, bank loans can still be expensive.
SBA Loans
The Small Business Administration (SBA) is an independent agency of the federal government. Their mission is to help small businesses obtain loans, including home decor business loans. With an understanding that businesses often fail, they are more forgiving to businesses that default on loans. If you want an SBA loan, you will need to find a bank or financial institution that is authorized to offer them. The application process can be lengthy.
Line of Credit
A line of credit is a type of bank loan. Unlike a term loan that’s paid in one lump sum, businesses can access the amount of money they need at any time. Interest is charged immediately on money drawn. The money can be paid off right away or over time.
Advance Credit
Advance credit is based on a business’s future earnings. It does not look at credit score and business history, but it comes with hefty fees.
Inventory Loans or Inventory Funding
Inventory loans use the business inventory as collateral. Credit scores and business history is not considered, but if the company defaults on the loan, they could lose their inventory.
Alternative Loans
Alternative loans are an option for men and women entrepreneurs looking for home decor business loans despite low credit scores or limited business history. However, these loans often come with high interest rates. Additionally, borrowing money is not free — qualifying for these loans can be difficult and time-consuming, and the funding process may take longer than expected.
Fund Your Next Inventory Order with Kickfurther
Get flexible, non-debt financing that works on your timeline. Keep cash free for growth while you pay as your inventory sells.
Where you've seen us
- Set up Your Online Account Register your business, upload key details, and start your funding campaign.
- Receive Funding Quickly Once approved, most deals receive funding within hours or a day — keeping your growth on track.
- Manage Your Payment Plan We pay your supplier to create your inventory. You provide sales forecasts for flexible payment terms. After each period, submit sales data and repay backers based on sold items.
- Finish and Repeat Once your payment schedule is complete, you’re all set. Returning brands often secure better rates for future funding rounds.
See Who Else We’ve Helped
Frequently asked questions
Not seeing your questions here? Please feel free to reach out!
How can I start a home decor store or sell products online?
Starting a store means choosing the right sales channels — whether brick-and-mortar or e-commerce — and building your brand’s presence. Funding your initial inventory is often the biggest hurdle. Kickfurther’s inventory financing can help you stock your store or online shop without draining your cash flow, giving you the flexibility to invest in marketing, staff, or product development.
What are the minimum requirements to qualify for Home Decor Inventory financing?
Kickfurther provides home decor business financing once the brand has reached at least $150,000 or more in trailing 12 months revenue. This includes women-owned businesses looking for accessible home decor business loans that don’t require giving up equity or taking on debt. You do not need to be in business for 12 months, or have revenue in 12 consecutive months, but we review a snapshot of revenue across a period up to 12 months.
As we process your application, we review your account statements to calculate your trailing 12 months of revenue. Kickfurther will consider your revenue to be your net sales, which we define as your business’s gross sales minus its returns, fees, allowances, and discounts.
How does Home Decor Brand Inventory Financing with Kickfurther work?
Brands can access funding for their home decor brand from marketplace participants. The marketplace allows brands to access private funding at costs that can improve with each use. Funding for your purchase order goes directly to your manufacturer for production of goods and you make no payments until you receive and begin selling new inventory.
How can I create a Kickfurther co-op for my Home Decor brand?
Launching a Co-Op for your home decor brand involves 3 key steps:
- Create a basic profile including information about your business and product line. Once you’ve done this, you can go live with an “upcoming Co-Op” profile that users can choose to follow to hear when your Co-Op launches.
- Determine your Co-Op structure using the Kickfurther calculator to determine costs, earnings, and timeline.
- Verify your Credibility Metrics with the Kickfurther team and finalize your Co-Op profile.
How fast will I get funded?
Once approved and the deal goes live, most deals fund within a day (often within minutes to hours), offering a fast-track solution for women-led brands looking for quick, reliable home decor business loans to seize time-sensitive opportunities.