Retail is a game of timing and inventory — you buy stock now and sell it later, and the busy season demands cash before the revenue rolls in. Retail business loans keep your shelves full and your store growing, funding the inventory and improvements that drive sales.
What retail owners fund
- Inventory — stock up ahead of peak season and bulk-buy discounts.
- Build-out & fixtures — open, remodel, or refresh your store.
- POS & e-commerce — modern checkout and an online storefront.
- Marketing — drive foot traffic and online sales.
- A new location — expand your footprint.
Funding options
Working capital and inventory financing to stock up fast — no minimum credit score on many programs. Merchant cash advances repaid from your card sales. Line of credit for flexible seasonal buying.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | As little as 4 months |
| Monthly revenue | $10,000+ in deposits |
| Credit score | No minimum on many programs |
| Documents | 1-page application + 4 months bank statements |
Frequently asked questions
How do retail stores get funding?
Working capital and inventory financing to stock up, merchant cash advances repaid from card sales, and term loans for build-out — many with no minimum credit score.
How do I fund inventory before a busy season?
Working capital or a line of credit lets you buy ahead and repay as you sell through.
How fast is funding?
Working capital and cash advances can fund the same or next business day.