Skip to main content

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


Deals Funded


In Inventory Funding


Funding Success

How much funding could your company raise?

Submit this form to see your estimate.

Business Blog Industry Form
US Entity/Owner?

Why choose Kickfurther for Home Decor Business Financing?

Inventory Funding

Don’t pay until
you sell.

Your payment obligation only begins once your sales are made. This alleviates the cash-flow pinch that lenders cause without customized repayment schedules. Free up capital to invest in scaling your business without impeding your ability to maintain inventory
Market Pricing

30% lower cost

Know your rates. When you compare ours, you’ll often see that you’re saving. We cost less than factoring, PO financing, and many lenders. We also have higher limits than competitors.

Pay Suppliers Directly

Fund up to $5 million
in an hour.

Once approved and the deal goes live, most deals fund within a day (often within minutes to hours), so you’ll never miss another growth opportunity.

Fund Inventory

It’s easy, it works, &
it grows with you.

Companies access higher funding limits and often get lower rates as they return to Kickfurther, creating a scalable solution that grows alongside your company.

We fund inventory for direct-to-

consumer & major store brands


“Tough Times Call For Creative Funding — Check Out
Kickfurther’s Clever Model”


How does Home Decor Business Financing Work?

Connect with consumers across the United States to get your
inventory funded via our marketplace

Create your online account

Create a business account, upload your business information, and launch your deal

Create Your Account
Get Funded

Get funded within minutes to hours

Once approved, our community funds most deals within a day, often within minutes to hours, so you’ll never miss another growth opportunity.

Control your payment schedule

We pay your manufacturer to produce inventory. Make the introduction and you’re off and running! Outline your expected sales periods for customized payment terms. At the end of each sales period, submit sales reports and pay consignment profit to backers for each item sold.

Payment Schedule
Complete & Repeat

Complete and repeat!

Complete your payment schedule and you’re done! Often once the community knows you, you’re likely to get lower rates on your next raise.

Where you’ve seen us

Financing Options for Home Decor Businesses

home decor financing

What is Home Decor Brand financing?

Home decor financing is a type of loan that home décor 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 does Home Decor financing work?

Home decor financing will work differently depending on the type of loan you are getting, but a few general rules apply.

The first step will be qualifying or applying. Most lenders will want to see a good credit score and a reliable business history. Others may use inventory or other assets as collateral. If you are not able to qualify under these terms, you may look at alternate loans which come with higher interest rates.

Once you qualify, the loan will be funded. It will need to be paid back with interest on a daily, weekly, or monthly basis. However, other loans may offer more flexible payment terms.

Funding is another option for home decor businesses that need funds. Funding can be raised by businesses from private backers that may offer more flexible repayment terms than traditional lenders. To secure funding you’ll typically need to create a profile and get connected with backers. There are platforms online that can help make funding easy.

Types of home decor businesses that use financing

There are several types of home decor businesses that use financing. These include:

Home Decor Manufacturers: Home décor manufacturers make home decor products and sell them to businesses and, sometimes, individuals. They will need home decor financing for equipment, staff, materials and more.

Home Decor Retailers: A home decor retailer sells home decor products to the public. They may do so via an online store or a brick-and-mortar location. They will need funding for staff, renovations, expansions, website expenses and so on.

Designers: Interior designers also fall under the home décor umbrella. They will need funding for redecorating and remodeling products and equipment, marketing, staffing, etc.

Common costs associated with a home decor brand business

The items you need funding for will vary depending on the type of home decor business you are running but may include:

Inventory: If you are a home decor retailer, you will need funding for inventory to stock your store.

Marketing and advertising: Every company needs a strong marketing and advertising team. This will require home decor brand financing such as marketing materials, marketing software and a marketing team.

Renovations and Expansions: If you are working out of a brick-and-mortar location, you will need funding for rent, mortgage and for future renovations, expansions, and repairs.

Staffing: Payroll is typically one of the largest business expenses a company owner deals with. Funding may be necessary to hire and pay staff or keep cash flow healthy enough to do so.

Home decor financing options

There are several home decor brand financing options to choose from. These include the following:

Bank Loans: Banks can provide funding for home decor businesses. 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. 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 business owners with low credit scores and little or poor business history. However, they come with high interest rates.
Try Kickfurther

Pros and cons of home decor financing

Home decor brand financing comes with its share of advantages and disadvantages. Here are some to consider:


  • Access the funds you need to grow your home decor brand
  • Borrow money without giving up equity in your business
  • Take advantage of perks offered by lenders such as business advice


  • Borrowing money is not free
  • Loans may be hard to qualify for and time consuming
  • Loans can take a long time to fund

Tips to helping your home decor brand get funded

Here are some tips that can help your home decor brand get funded:

Improve your credit score: You can improve your credit score by paying off outstanding debts. You can also look over your credit report to find any mistakes that may be bringing down your score and have them corrected.

Establish your brand: It’s important to establish your brand before making a loan or funding pitch. You can do this by getting a clear business plan together, launching a website and, if possible, making some money. The more of a business history you have to show, the better.

Find the right funding option: It’s important to understand the different ways to borrow money. It’s also important to know who can offer funding. Do plenty of research before moving forward with a business loan or funding.

How to qualify

Different lenders will require different qualifications. Some will want to see a strong credit score of at least 700. If your score is lower, you may be able to support it with a reliable business history. But if your score is below 600, alternate lenders may be your best option.

Some lenders will also want to see that you have been in business for 1-2 years and earn a profit that ranges from $50,000 to $250,000.

If you don’t meet these requirements, you may want to look into an inventory or asset-based loan or inventory funding. If you sell a physical product with $400,000+ in sales, you may be able to get affordable inventory funding at Kickfurther.

How Kickfurther can help  

Kickfurther funds up to 100% of your inventory costs on flexible payment terms that you customize and control. With Kickfurther, you can fund your entire order(s) each time you need more inventory and put your existing capital to work growing your business without adding debt or giving up equity.

Why Kickfurther?

No immediate repayments: You don’t pay back until your new inventory order begins selling. You set your repayment schedule based on what works best for your cash flow.

Non-dilutive: Kickfurther doesn’t take equity in exchange for funding.

Not a debt: Kickfurther is not a loan, so it does not put debt on your books. Debt financing options can sometimes further constrain your working capital and access to capital, or even lower your business’s valuation if you are looking at venture capital or a sale.

Quick access: You need capital when your supplier payments are due. Kickfurther can fund your entire order(s) each time you need more inventory.

Kickfurther puts you in control of your business while delivering the costliest asset for most CPG brands. And by funding your largest expense (inventory), you can free up existing capital to grow your business wherever you need it – product development, advertising, adding headcount, etc.


Developing a successful business requires a little risk taking. Getting funding or borrowing money can be risky, but if it’s a calculated risk, it can offer plenty of reward. Are you ready to access affordable inventory funding quickly?

Discover affordable home decor inventory financing. . . create an online account today!


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. Your 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.

What are the minimum requirements to qualify for Home Decor Inventory financing?

Kickfurther works with fragrance brands once they’ve reached at least $150,000 or more in trailing 12 months revenue. 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 can I create a Kickfurther co-op for my Home Decor brand?

  • Launching a Co-Op for your skin care 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), so you’ll never miss another growth opportunity