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01604 43 43 43
hi@centurybusinessfinance.co.uk

    Florist Business Loans & Finance

    Simple, Flexible Funding for your florist business.

    Check If I Qualify
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    Check eligibility
    in 20 seconds

    Apply online
    in 2 mins

    Decisions in
    less than 1hr

    Borrow between
    £10,000 - £250,000

    No fees to
    settle early

     

                         

     

    Business Loans from £10,000 to £250,000

    Florists play a vital role in the UK’s retail and events economy, supplying flowers for everyday gifting, weddings, celebrations and life’s most important moments. But running a florist business comes with unique financial pressures from purchasing perishable stock in advance to managing sharp seasonal demand and fluctuating cashflow.

    With busy peaks such as Valentine’s Day, Mother’s Day and wedding season, access to fast, flexible funding is essential. Florist business loans provide the financial support needed to manage stock, cover operating costs and grow your business with confidence.

    Fast, Flexible Finance for Florist Businesses

    Florist finance is designed to support the realities of running a flower shop or floristry studio. From funding wholesale flower purchases ahead of peak periods to investing in refrigeration, delivery vehicles or staff, flexible business loans help florists stay prepared and competitive.

    With simple applications, quick decisions and tailored repayment options, florist business finance allows you to focus on serving customers and maximising sales during busy seasons, while maintaining stability during quieter months.

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    Your Fast Track To Funding

    10,000
    +

    Businesses helped

    892,000,000
    £

    Million funds sourced

    24
     hours

    Average turnaround from start to finish

    10000
    +
    Businesses helped
    892000000
    £
    Million funds sourced
    24
    hours
    Average turnaround from start to finish
    10000
    +
    businesses helped
    892000000
    £
    million funds sourced
    24
    hours
    average turnaround time from start to finish

    What Are Florist Business Loans?

    Florist business loans are funding solutions designed to support florists with their day-to-day and seasonal financial needs. Instead of tying up cash reserves or personal savings, businesses can access funding and repay it over an agreed term.

    Finance can be used for a wide range of purposes, including flower stock purchases, refrigeration equipment, shop improvements, delivery costs, staffing, marketing and general working capital. Loan amounts typically range from £10,000 to £250,000, depending on affordability and trading history.

    How Do Florist Business Loans Work?

    Our process is designed to be fast and straightforward, getting you the funding you need with minimal hassle.

    Apply in Minutes

    When applying, lenders typically request:

    • Basic business details

    • Six months of business bank statements

    • Your most recent year-end accounts

    • An overview of how the funds will be used

    • Providing clear and up-to-date information helps speed up the approval process.

    Lender Assessment

    Lenders assess factors such as:

    • Trading history and turnover

    • Cashflow patterns and affordability

    • Contract pipeline and payment terms

    • Overall financial stability

    This ensures the funding structure aligns with your business needs and repayment capacity.

    Repayments

    Once approved, funds are released quickly so you can move forward with confidence. Repayments typically include:

    • Fixed daily, weekly or monthly payments

    • Short- to medium-term loan options

    • Flexible terms based on affordability

    This provides predictable costs while supporting cashflow continuity across projects.

    Why Choose Us for Your Florist Business Finance?

    At Century Business Finance, we understand the challenges florists face from managing perishable stock and seasonal peaks to covering staffing, refrigeration and delivery costs. We work with a wide panel of lenders experienced in supporting retail and service businesses, allowing us to match you with finance that suits your needs.

    Apply online in just a few minutes and receive support from a dedicated Account Manager. Once approved, funds can often be released quickly, helping you prepare for busy periods and invest confidently in your business.

    When Should You Use Floirst Business Loans

    Florist finance is ideal when you need to invest or stabilise cashflow without disruption. Common scenarios include:

    • Purchasing wholesale flower stock ahead of peak seasons

    • Preparing for Valentine’s Day, Mother’s Day or wedding season

    • Investing in refrigeration or storage equipment

    • Expanding into weddings, events or corporate contracts

    • Upgrading your shop or studio

    • Covering staffing and delivery costs

    • Strengthening working capital during quieter periods

    Finance works best when you have clear visibility over upcoming demand and operating costs.

    Who Is Eligible for Florist Business Loans?

    You may be eligible if:

    • You operate a UK-registered florist business

    • Your organisation has been trading for at least 12 months

    • You have consistent monthly turnover

    • Your accounts demonstrate affordability


    Even if your business is closely held or multi-generational, alternative lenders may still consider your application.

    Ready to Secure Florist Business Finance?

    If you’re looking to manage seasonal cashflow, invest in equipment or grow your florist business, our team can help. We’ll compare lenders across our panel and match you with the most suitable florist business loan for your needs.

    Step 1

    Check if you’re eligible in 20 Seconds

    Step 1
    Step 2

    Apply online in 2 mins

    Step 2
    Step 3

    Get your decision

    Step 3
    Step 4

    Funds paid into your bank within 24 hours

    Step 4

    What our clients say

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    “Jacob and Century have been brilliant for a number of years. Jacob has always listened to the company needs and ensured we were only matched with products that suited. I really highly recommend both the company, and, Jacob!”
    Jonathon Ison
    “The customer care was top-notch. I dealt with Jake Brown who was always on top of our needs. The service was very precise and all the formalities were sorted within a few days. Thumbs up all the way. Would definitely recommend Century Business Finance.”
    Wale Towolawi
    “No government initiative or loan has helped our business as much as Jake Brown. The service has been first class. Recovery from covid has been slow and challenging but it would have been impossible without Jake himself. He has literally saved the business! Communication has been crystal clear with finance approved and arranged on the same day. An outstanding service from a company I intend to use again and again. Thank you”
    Owl Education Ltd
    “Tom Hall has been fantastic. Within a week of exploring our options, the money was in the bank and the business kicked off. Highly recommend..”
    Mark Gill
    “Tom Hall has been very helpful and dealt with my queries and informed me of everything i need to do . Tom has managed to secured me the loan from century finance and i would definitely recommend them to every businesses.”
    Davis Sanassy
    “Joe Taplin has been so helpful from start to finish. Got regular updates about the application and did all he can to get funds available within days. Handled every task very professionally.”
    Upul Ekanayake
    “Tom has been very helpful in supporting our business needs. Only area for improvement is the level of detail in their quotations to enable a better market comparison.”
    Alan Gates
    “Joe was so helpful from start to finish of our communication. Kept me updated every step of the way & kept it very easy. Definitely recommend.”
    Nat
    “First rate service by my account manager Jake Brown, first time using Century Finance and I would use Jake again and recommend him to anyone looking for finance.”
    John Bailey
    “Exceptionally professional and quick service I would highly recommend to all my business colleagues. Many thanks especially to John Harrison who has been such a fantastic help throughout.”
    Mike Finnigan
    “I had the pleasure of dealing with Kane Murfitt and honestly cannot fault him. He stayed in regular contact throughout the process, guided me through the application and kept me fully updated. Very Happy!”
    Marlon Carrington
    “Great support from start to completion under the guidance of Jacob Bryant.Totally recommend for any business finance..”
    Justin Jones
    “I was very impressed at the speed, detail and affordability of business loans found by Century Business Finace. Jake was incredibly knowledgeable giving varied scenarios of how to ustilise their services - I've already made recommendations to my colleauges - thank you!”
    Finance Department
    “A fantastic service from the team at Century Business Finance from start to finish. It's my first time dealing with them and the service from both Max and Ben as been absolutely first class. I highly recommend Century Business Finance and will be using them again in the future when the need arises.”
    Ryan White
    “Excellent all round, I no longer waste my time trying others - Top work from my acc manager Joe Taplin”
    Dan Currey
    “A 5 star service. Very impressed with the account manager and will 100% recommend his services”
    Vincent Torku
    “As a small business at times its hard to get small amount for cashflow but dealing with Jacob Bourne has made the small business grow. What a professional Jacob is and it was so efficient that i will not hesitate to recommend CBF to any small to medium business.”
    Alliance Speciality Care
    “The customer service from John was great, very friendly and efficient. Would definitely recommend”
    Katie
    “We used Century to assist in funding our expansion, and could not be happier with how they helped. Jacob was prompt, professional and efficient.”
    Martyn Solari
    “A 5 star service. Very impressed with the account manager and will 100% recommend his services”
    Vincent Torku

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