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Funding Options for Your Furniture Store

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Every owner of a small business furniture store knows you can’t sit on the couch if you want to be successful.

The furniture industry is robust, with growth rates outpacing many other sectors.  It was estimated to be worth about $96.4 billion in 2014, according to industry publications. Furniture Today forecasts it will hit $111 billion by 2019. But it is also consolidating, with the top 100 furniture retailers representing about 79% of the industry’s revenues, according to Furniture Today

This means small business owners have to work even harder in today’s market to compete against their larger competitors who have some distinct advantages, including pricing and a generally larger selection.

But small businesses can offer something that big retailers have a hard time matching: knowledge about the community that can be translated into merchandising and pricing. That information is critical to knowing the best ways to reach out and serve furniture needs in a community.

A key to success for furniture store owners is having access for financing.  BFS Capital can be your partner by providing easy access to funding when you need it. BFS Capital has been providing small business financing since 2002. Whether you want to buy more inventory, expand your store, boost marketing, or need help with cash flow, we are here for you. We offer an easy application process and access to funds in as few as two business days for qualified applicants.


As with most retailers, having the right inventory is vital to the success of a furniture store. But it can be difficult to find the correct furniture inventory levels that both serve the needs of customers and avoid overly high storage and maintenance costs.  You also need to mitigate the risk of obsolescence.

Furniture typically costs more than products offered by other retailers. That means you may need to have more money on hand to invest in inventory. Meanwhile, tastes, trends and seasonality are constantly changing so you’ll likely need to plan accordingly for inventory expenses.

Industry analysts say independent furniture stores have a better chance of success if they sell higher quality furniture since many of the larger retailers offer lower price options. It’s very difficult for a small business to be able to purchase enough quantity to get the discounts that are available to the giants. By offering higher quality and unique products, your store will stand out from other competitors.

It’s critical to work with wholesalers who can sell you inventory at the best prices. While it’s great to have long-term relationships with wholesalers, industry experts recommend that you continually research competitors to make sure you are getting the most for your money.

BFS Capital understands how important inventory is for furniture stores to succeed.  We’ve been working with small businesses since 2002 to provide the financing you need with an easy and fast application process. BFS Capital can provide funds in two business days1 to qualified applicants, so you won’t need to miss out on buying the best inventory for your business.

Your Store

Looks matter with furniture stores, perhaps more than most other retailers. Customers typically want to see products in a setting that will help them imagine that furniture in their own home or office space.

Your retail space should attract customers and also reinforce your store’s brand and identity while giving an impression of price range. The challenge for store owners is getting enough space to showcase their best quality products or potential highest sellers without looking too cluttered, particularly if your space isn’t huge.

Other critical factors include mood lighting, which can be expensive, but may be worth the cost if it helps create the right atmosphere for your product line.

Furniture store owners also need to consider the outside of their store. It should be inviting to customers to come in and look. Even if they don’t buy right away, if they see great furniture in a lovely setting, they may return when they’re ready to make a purchase. You can also use window displays to entice customers to take a second look during the daytime and at night.

Renovation projects can be as simple as painting the walls the hottest new color of the season or as complicated as expanding a current space and redesigning the entire interior, including the floors. Usually these projects are quite expensive, and while it may boost sales in the long run, it can be a burden to cash flow in the short run. You may not want to tie up your credit line to fund a high cost renovation. This is where BFS Capital can be the partner you need for easy access to financing for the renovation or expansion of your furniture store.


As a small business owner, you know how important customer service is to drawing people to your business, and your staff are the frontline in this area.

Your sales team should have strong product knowledge and show understand the hows and whys of different price points, according to several furniture store owners. Even the seemingly minute details, such as knowing where advertised items are located, and the costs, can make a significant difference to customers.

Customers appreciate a salesperson who goes out of their way to help them. This approach can also help establish customer loyalty, which can boost chances of future sales.

Several furniture store owners said a good practice is to make sure their entire workforce, including delivery and other staff, understand your philosophy of selling. Make your expectations very clear for each role, industry experts say.

Hiring the best staff can often be expensive. But the investment can pay for itself if your staff is able to boost sales, make the furniture delivery process easy for clients, and perform other tasks that make it a good customer experience.

The expense of employee salaries makes easy access to financing critical to your long term success. That’s where BFS Capital can help. Don’t lose out on the opportunity to build up your business by investing in your staff with our financing.


Your marketing plan should cover all aspects of your furniture store from pricing, analysis of your local market, and assessment of ways to generate more sales.

The best way to market your furniture store is likely to be a mix of new media such as a business website, ads on Yelp, Twitter, a presence on Instagram and other popular sites, along with old methods such as direct mailings, brochures and newspaper ads.

Furniture World says social media offers unique opportunities for store owners.  A customer who has a great experience can promote your business with a Facebook post or blog. But the trade publication also cautions that a bad experience with a salesperson or poor quality furniture can also be widely disseminated, making good customer experiences even more important.

If you are an independent home furnishings retailer, you must redouble your efforts to sell your unique products, according to Furniture World.  The publication recommends that advertising focus should be less about selling products with easily comparable pricing, and more focused on encouraging potential customers to visit your store.

If you simply don’t have time to create an effective marketing plan as you concentrate on your furniture store business, hiring a marketing consultant may be the best way to go.

Often it makes sense to get financing for these marketing efforts. BFS Capital understands the importance of marketing for furniture stores, and we’re here to help you with financing.

BFS Capital can provide funds in two business days1 to qualified applicants so you won’t need to miss out on the opportunity to grow your business through marketing.


BFS Capital understands the challenges faced by independent furniture store owners.  We can offer the financing solutions you need to succeed and grow your business.

We understand the hard work it takes to own a furniture store. Competition in the furniture industry means you need every possible advantage in the marketplace. We are here to help you build your furniture store, whether you need funding to buy inventory, renovate your store, increase staffing, marketing, or other purposes.

Unlike some financial institutions, BFS provides personalized service to our customers, and a dedicated relationship manager will be on-hand to help you make the right decisions for your business.  We know you have many options for furniture store financing, but our focus on customer service makes BFS Capital the best choice. For more information, call 1-888-905-4334

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Complete an Application

1. Complete an Application

Simply answer a few questions about your time in business, monthly sales and business type, and your application will be submitted for review.


2. Fast Approval

Once you fill out your application, one of our funding advisors will contact you.


3. Funds in Your Account

When approved, you’ll have the money in your hands, for any business use, in as few as 2 business days¹.

Get approved for up to $500,000 today1

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