Business finance
Business Loans For Florists
Working capital, equipment, and growth finance for florists — matched to your revenue and time trading, not a generic credit score.
Trusted by 1,200+
Australian trades
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Local support team
Vetted partners only
How it works
Matched to the right lender in minutes
Tell us what you need
A few details about your business and what the finance is for. Takes under a minute.
We match you
We line you up with the right vetted lender for florists and your situation — no guesswork.
Get funded
Your lender takes it from there — approval and funds, sorted.
What you get
Built around your business
- Finance for fit-out, equipment, and stock without draining the till.
- Cash-flow cover for quiet seasons and the lead-up to busy periods.
- One application across lenders that understand retail and hospitality trade.
How it works
Simple next steps
- 1Tell us what you need to fund and your trading history.
- 2We match it to lenders comfortable with seasonal, foot-traffic revenue.
- 3You compare offers and proceed only if one fits.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business finance
Financing for Florists
A florist's cash flow is all about the lead-up to the big days. You buy stock, roster casuals and sort delivery for Valentine's Day or Mother's Day weeks before the revenue lands, and a cool room or delivery van repair never waits for a convenient time. Between peaks, steady trade covers the basics but rarely funds a major buy or an equipment upgrade.
Most florists look at finance in the ~$50,000 ballpark to fund peak stock, replace a failing cool room or van, or refit the shop. Cockatoo helps match you to a lender who understands perishable retail and the spiky, seasonal cash flow of a florist.
Common questions
Florists — business loan questions
Can finance help me fund stock for Mother's Day or Valentine's?
Yes. A short-term working-capital line can cover the extra stock, casual wages and delivery you fund ahead of a peak, then be paid down once the sales land. Cockatoo helps match you to a lender comfortable with seasonal retail cash flow.
How much finance does a florist usually need?
It varies, but many florists work around the ~$50,000 mark to fund peaks, replace a cool room or van, or refit the shop. Matching the repayment to your seasonal trade keeps it comfortable through the quieter months.
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Get matched to the right lender
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.