The delicate nature of nursery plants – often spanning a large space of nursery real estate – means that every plant must be expertly cared for and maintained before sale, with careful pricing strategies and displays that ensure stock is sold before it goes over.

Stock control is key and purchasing requirements are high, not just for the plants and seeds but also for storage, display, lighting, watering and feeding. The running costs are significant, including rent, rates, utilities, insurance and staffing.

Garden centres also need to work hard to develop their offer to compete with cheap online competitors. This means developing in-store attractions such as cafes, specialist nurseries, seasonal gifts and home accessories.

This investment requires access to finance, of course. Working capital must be preserved to maintain a safe and risk-managed business that can respond quickly to opportunities or threats; however, many big banks are still reluctant to lend, citing liquidity and risk issues with the tougher new regulatory regime.

A better way of borrowing

Fortunately, a wave of specialist business lenders such as Century Business Finance exist to help Britain’s businesses to access the vital finance they need to thrive and grow. We offer:

A rapid process

To apply for your business loan today, simply complete the short online form. We will make a lending decision within just 24 hours and the funds can be in your bank account on the following working day.

Get in touch

Do you have any queries? Are you keen to discuss your individual business situation? Contact our friendly team of finance advisors today to arrange your business loan. Alternatively, complete the online application form now to progress without delay. Remember that we are open for business and ready to lend to our nursery business customers. Our experienced team of experts understands your needs.