Business funding for retail stores
Retail runs on inventory and seasons. Funding sized to your sales lets you stock up before the rush and get through the quiet months.
How cash flows in retail
Retailers buy inventory months before they sell it, and a large part of the year’s revenue can come in a few weeks. The rest of the year, fixed costs keep running. Cash is tightest exactly when you need to buy for the next season.
What we look at
- Card and bank deposits, including seasonality
- Inventory levels and turnover
- Existing advances
- Time at your location
Minimums: about $50,000 a month in revenue and one year in business. Larger requests are reviewed case by case.
Common situations
Inventory before the holidays
Stock up ahead of peak season.
A store refresh
Fixtures, signage and a remodel.
A second store or online expansion
Build-out, inventory and staff.
The slow months
A line of credit to cover fixed costs.
Funding that fits
Your advisor recommends the structure; you choose, with every cost in writing.
Retail: questions owners ask
Do e-commerce businesses qualify?
Yes, on the same basis: about $50,000 a month in revenue and a year in business, shown in your bank deposits.
Can funding be repaid from card sales?
Some structures take a share of card sales; others a fixed amount. Your advisor explains each offer.
What do I need to apply?
To start: amount, monthly revenue and time in business, with no documents and no SSN. To get your offer: your last four months of business bank statements.