Lots of florists jump at last-minute jobs to make a sale. I think that's short-sighted and burns out your crew. Holding firm on deadlines means better flowers and happier clients.
I get that, it's a real problem. I read an article last week about how payday loans can trap people in debt. They charge crazy high interest, and before you know it, you owe way more than you borrowed. Some credit unions offer small, short-term loans with better rates for emergencies. It's still a bad situation, but those options might be less awful.