Will financing delay the project timeline?

No. Once approved, procurement and setup begin right away, with most projects completed in 3–6+ weeks.

What is the minimum spend?

Bee Setups projects require a $15,000 product minimum for furnishings and essentials to ensure a complete, guest-ready setup.

Can I finance multiple properties at once?

Yes. Many investors finance multiple units simultaneously, subject to approval.

Do you assemble client-supplied furniture?

No. For insurance reasons, Bee Setups only assembles items procured through its vetted supplier network.

Can I Finance the Full Furnishing Project with Bee Setups?

Q: Can I finance the full furnishing project with Bee Setups?

Yes. Financing covers the entire project including design fees, furniture, decor, and essentials, subject to approval.

Mehak Fiaz
Dec 15, 2025
3 min read

Yes. With Bee Setups, you can finance the entire furnishing project — including design fees, furniture, décor, and essentials — and spread payments into manageable monthly installments. This lets most investors get to market in 3–6+ weeks instead of waiting to save a lump sum, while keeping cash free for mortgages, marketing, and acquisitions.

Oceanfront bedroom with premium bedding and coastal décor, showcasing a high-value STR upgrade that boosts nightly rates, occupancy, and overall rental ROI.

Below you’ll find exactly what financing covers, how it works in our Turnkey Setup Process, example payment scenarios, and the pros and cons so you can decide quickly and confidently.

What Does Financing Cover?

Financing applies to the full scope of your furnishing project:

Design fees (included)
Furniture (beds, sofas, dining sets, dressers, nightstands, storage)
Décor (rugs, artwork, lamps, mirrors, accent pieces)
Essentials (cookware, utensils, small appliances, bedding, linens, towels)
White-glove setup (delivery, assembly, staging, and packaging disposal baked into the turnkey experience)

Minimum product spend: $15,000 to ensure a complete, guest-ready setup.

Fast Answer: Why Finance?

Speed: Go live in 3–6+ weeks instead of months.
Cash Flow: Preserve liquidity for debt service and marketing.
Scale: Set up multiple units at once.
ROI Alignment: Start generating cash flow while you pay over time.

The Turnkey Setup Process (Step-by-Step)

Our Turnkey Setup Process compresses months of DIY work into a clean, accountable flow. Financing slots in right after you approve your design.

Consultation & Property ReviewWe confirm goals, guest profile, and target budget aligned to your market.
Custom Design Proposal + RevisionsWe present a tailored concept; revisions (2–5) included depending on package.
Final Scope & InvoiceWe finalize line-items for design + furnishings + essentials.
Financing ApprovalSubmit your application; once approved, we lock monthly terms and get moving.
Procurement & LogisticsWe order from vetted suppliers and schedule consolidated deliveries.
White-Glove Delivery, Assembly & StagingBeds are built, art is hung, kitchens are stocked — the works.
Listing-Ready HandoffYou receive a fully furnished space designed for scroll-stopping photos and strong guest reviews.

Timing: Most projects are delivered in 3–6+ weeks, depending on property size, revisions, and item counts.

Pros & Cons of Financing Your Full Project

Pros	Cons
Launch faster with lower upfront cash	Subject to application approval
Finance design + furnishings in one plan	Monthly payment obligation
Free up liquidity for ops, marketing, and new deals	Longer terms can increase total paid
Scale multiple units simultaneously	Minimum product spend ($15,000) applies

How Financing Supports ROI-First STR Design

Bee Setups designs aren’t just pretty; they’re built to perform. Our ROI-First STR Design emphasizes durable selections, optimized layouts, and amenities that convert browsers into bookers — helping support higher ADR and occupancy. Financing simply aligns cash flow with results: your property starts earning while you pay.

Pull Quote: “Financing helped us launch fast and book our first month out — the setup paid for itself way sooner than expected.”

Case Study (Speed-First Narrative): Two 2-Beds, One Launch Window

Location: Houston, TXScope: Two 2-bed units, both financed (design + furnishings)

Budget: ~36,000 combined

Timeline: 6 weeks from design approval to guest-ready

Outcome: The investor captured peak season, stabilized occupancy above 80% in the first 90 days, and used cash preserved by financing to fund marketing — boosting overall revenue faster.

FAQs

Can I finance 100% of the project, including design fees?

Yes. Financing covers design fees, furniture, décor, and essentials.

Will financing delay my timeline?

No. Once approved, we proceed immediately; most projects complete in 3–6+ weeks.

Is there a minimum?

Yes. A $15,000 furnishings/essentials product minimum ensures a complete, guest-ready outcome.

Can I finance multiple units at once?

Yes, subject to approval — many investors do this to scale quickly.

Do you assemble client-supplied items?

No. For insurance reasons, we only assemble items we procure within our network.

Internal Links (for VA)

Pricing page (use anchor variations like: short-term rental setup pricing, Airbnb furnishing cost)
Design packages page (use: turnkey design packages)
Related blogs:
- How Much Does It Cost to Furnish an Airbnb in Late 2025?
- What’s Included in the Bee Setups Furnishing Package Pricing?

About the Author / Expertise

Written by Bee Setups — a turnkey interior design and furnishing partner that has transformed hundreds of STR and MTR properties nationwide. Our team blends design, operations, and real-estate know-how to help investors launch faster and earn more.