01
We Understand Inventory Economics
You buy inventory months before you sell it, creating cash flow gaps. We evaluate your business with this reality in mind.
Capital That Moves as Fast as Your Sales
Retail and e-commerce success depends on having the right inventory at the right time. We provide funding solutions that help you stock up for peak seasons, invest in marketing, and grow your sales channels.
- Funding from $25,000 to $1,000,000
- Decisions in as little as 24 hours
- We understand retail and e-commerce economics
What You Need to Qualify
$30,000+
Minimum Monthly Revenue
6+ months
Established Business History
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score
From Application to Funding in Time for Your Next Order
01
Quick Application
Share your sales channels, monthly revenue, and what you need funding for. We understand both brick-and-mortar and e-commerce models.
02
Fast Review
We assess your business with knowledge of inventory cycles, seasonal patterns, and the economics of retail operations.
03
Choose Your Terms
Review multiple funding offers with different structures. Pick what aligns with your sales cycle and inventory needs.
04
Get Stocked
Funds arrive quickly—often within 24-48 hours. Place that bulk order, stock up for the season, or launch your marketing campaign.
Why Retail and E-commerce Businesses Choose Us
Funding Built for the Pace of Retail
Whether you need to stock up for a major season, invest in marketing, or expand to new channels, we have funding solutions designed for retail and e-commerce businesses.
Retail businesses face unique financial pressures. You need inventory before you can sell it. Seasonal demand creates massive swings. Competition from larger players never stops. We have spent years learning retail economics so we can provide capital that makes sense for businesses with inventory and seasonal cash flow patterns.
Retail and E-commerce Funding Overview
We offer multiple products to address different retail needs. Some businesses need inventory financing for bulk purchases. Others need working capital for marketing or seasonal support. Many use a combination.
Most retail businesses qualify for multiple products. Your funding advisor will help compare options and recommend the best approach.
- Loan Amounts
- $25,000 to $1,000,000
- Rates
- Starting at 1% monthly
- Terms
- 3 months to 3 years
- Speed
- 24 hours to 7 business days
Financing Options for Retail and E-commerce
Different business needs call for different solutions. Here are the products retail businesses use most frequently.
- Merchant Cash AdvanceConvert your card sales—in-store or online—into immediate capital. Repayments adjust automatically with your daily revenue. Perfect for high-volume sellers.
- Inventory FinancingBuy inventory in bulk at better prices before peak seasons. Stock up without depleting your cash reserves or missing supplier discounts.
- Business Line of CreditA revolving credit facility for inventory, marketing, or unexpected opportunities. Draw what you need and only pay for what you use.
- Revenue-Based FinancingFunding based on your sales history with payments tied to monthly revenue. Great for e-commerce sellers with seasonal fluctuations.
- Equipment FinancingFinance POS systems, warehouse equipment, shelving, and retail technology. Upgrade operations without depleting your inventory budget.
- Bad Credit OptionsYour sales performance matters more than your credit history. We work with retailers who have strong revenue but imperfect credit scores.
How Credit Affects Retail Business Financing
Your personal credit score is one factor, but not everything. We evaluate the complete picture: sales history, revenue trends, inventory turnover, and overall business performance.
- Sales history and revenue trends matter significantly
- Strong marketplace ratings help (Amazon, eBay, etc.)
- Inventory turnover demonstrates business health
- Consistent bank deposits show operational stability
Good news
Retail business owners with credit scores in the 500s regularly qualify for funding when they demonstrate strong sales and healthy revenue trends. Your business performance often tells the real story.
Strong Credit Profile
Access to lowest rates, longest terms, highest amounts
760Score
Challenged Credit
Multiple options available based on sales performance
502Score
Retail Industry Funding Insights
30-40%
of annual retail sales occur during the holiday season. Strategic inventory funding helps you capture your share of this demand.
Source: National Retail Federation
$1T+
annual US e-commerce sales. Online selling continues to grow, creating opportunities for well-capitalized merchants.
Source: US Census Bureau
60%
of small retailers use external financing for inventory or growth. Capital is a normal part of retail operations.
Source: Retail Industry Survey
Evaluating Retail Business Financing
Pros
- Stock up for peak seasons at bulk prices
- Fund marketing and customer acquisition
- Expand to new sales channels or locations
- Take advantage of supplier discounts
- Bridge cash flow during seasonal gaps
- Build credit history for better future terms
Cons
- Financing costs reduce overall margin
- Some products require frequent payments
- Personal guarantees may be required
- Fast funding options typically cost more
Compare Retail Funding Options
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| Merchant Cash Advance | $25K to $500K | Factor 1.1 to 1.5 | 24 to 48 hours |
| Working Capital Loan | $25K to $500K | 1% to 3% monthly | 24 to 48 hours |
| Business Line of Credit | $25K to $5M | 1% to 3% monthly | 1 to 3 days |
| Revenue-Based Financing | $25K to $5M | 1% to 5% monthly | 1 to 3 days |
| Equipment Financing | $10K to $250K | 6% to 18% APR | 3 to 7 days |
Retail Business Qualification Requirements
- Monthly Sales
- $15K+
- Credit Score
- 500+
- Time in Business
- 6+ months
Get Funding for Your Retail Business
Apply today and receive funding decisions quickly. Our team understands retail and e-commerce financing and seasonal inventory needs.
Start Your ApplicationStep 1: Apply Online
Complete a short application about your business, including your sales channels, monthly revenue, and funding needs.
Step 2: Submit Documents
Upload recent bank statements and sales reports. We review them with an understanding of retail revenue patterns.
Step 3: Get Funded
Review your offers, choose the best fit, and receive funds. Most retail businesses get funded within 24 to 48 hours.
Retail Business Funding Products
Explore specific financing options available for your retail or e-commerce business.
Related Industries We Fund
We also specialize in financing for these related industries.
FAQs
Retail and E-commerce Financing Questions
Yes, inventory financing is one of our most popular products for retail businesses. Stock up before peak seasons or take advantage of bulk discounts.
Absolutely. We work with e-commerce businesses across all platforms—Amazon, Shopify, eBay, Walmart, Etsy, and more—and understand marketplace economics.
We offer flexible payment structures that can align with your peak selling seasons, reducing strain during slower periods.
Yes, many retail businesses use funding for advertising, promotions, and customer acquisition campaigns, especially before key seasons.
We fund physical retail stores, online-only businesses, and omnichannel operations that sell through multiple channels.
It matters, but sales performance often outweighs credit challenges. We have funded many retailers with credit scores below 600 who demonstrate strong revenue.
Many retail businesses receive decisions within 24 hours and funding within 24-48 hours. This speed helps you act on inventory opportunities.
Basic requirements include 3-6 months of bank statements, marketplace sales reports if applicable, and proof of business ownership.
Ready to Grow Your Retail Business?
Whether you need inventory, marketing capital, or growth funding, our team specializes in retail and e-commerce financing and understands your seasonal needs.
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score