Retail Business
Loans, Financing
& Funding

We work with all types of retail businesses, independent boutiques, clothing stores, specialty retailers, home goods shops, sporting goods stores, pet supply stores, franchisees, and more. Whether you operate a single storefront or multiple locations, if your business generates qualifying revenue and meets our basic requirements, you can apply.

Your retail business must be operating for at least 6 months, generate $240,000 or more in annual revenue, maintain a business checking account, and have a FICO score of 570 or above. There should be no open bankruptcies and no conflicting existing financing.

After submitting your application and required documentation, you can receive an approval decision quickly, often same day. Funds are typically deposited within 24 hours of offer acceptance, so you can respond to inventory opportunities, seasonal needs, or unexpected shortfalls without delay.

Yes, seasonal inventory is one of the most common uses for retail financing. Holiday buying seasons, back-to-school periods, and other peak demand windows require purchasing inventory well in advance. Business capital gives you the ability to stock up before demand peaks so you don't miss sales opportunities.

Absolutely. Retail technology, including POS systems, inventory management software, e-commerce platforms, and security systems, is a fully eligible use of business capital. Upgrading your infrastructure can improve efficiency, reduce shrinkage, and improve the customer experience.

Yes. Retail staffing demands can shift significantly between peak and off-peak seasons. Working capital financing ensures you can maintain your team through slower periods without layoffs, so you're fully staffed when demand returns.

Yes. Expanding to a new storefront, including build-out, fixtures, initial inventory, and working capital during the ramp-up, is a common use of retail business financing. Your Capital Advisor can help structure funding that aligns with your expansion timeline.

It depends on your situation. A Revenue Advance works well for retailers with variable daily sales, repayment adjusts with your revenue automatically. A Small Business Loan provides general working capital with no use restrictions. Equipment Financing is ideal for POS systems and store build-outs. A Line of Credit gives you revolving access to capital for ongoing inventory purchasing. Your Capital Advisor will help identify the right structure.

There is no single cutoff, and any broker quoting one before seeing the file is guessing. Credit is one input among several, and on revenue-linked products it carries less weight than deposit history. Stronger credit widens the product set and generally improves terms, while weaker credit narrows it rather than ending the conversation. We can say where you stand once we have seen the statements, and we will say plainly if waiting a few months is the better move.

It depends on the product and how quickly documents come back. Revenue-linked products are fastest, and decisions can come in as little as a few hours once a complete file is in front of a lender. Term loans and SBA-backed options take longer because more is verified. The biggest variable is not the lender but how ready the paperwork is on day one.