Business Line of Credit
Restock for peak season and draw only what you need, repaying as inventory sells through.
Explore Business Line of CreditIndustry funding
Funding for Retail businesses
Stock up before peak season, fund a new storefront, or run a bold promotion — lines of credit keep inventory flowing and shelves full year-round.
The cash-flow reality
Challenges in retail
We've funded enough retail businesses to know exactly where the money gets tight. Here's what we structure around.
Inventory before revenue
You buy stock months ahead of selling it, tying up cash right when holiday and seasonal demand peaks.
Seasonal cash-flow swings
A huge fourth quarter can be bracketed by lean stretches, making steady overhead hard to cover.
Competing with the giants
Funding a renovation, new location, or marketing push is essential to stand out, but the up-front cost is steep.
Recommended products
Funding solutions for retail
Based on how retail businesses earn and spend, these products tend to fit best.
By the numbers
What retail funding looks like
Q4 peak
Demand concentration
Same / next day
Funding speed
$5K-$500K
Funding range
In their words
A retail owner's story
“We opened a second location and stocked both for the holidays on a line of credit. Best December in our 11 years.”
Eligibility for Retail businesses
Retailers typically qualify with 6+ months in business, $15,000+ in monthly revenue, and a 500+ credit score. Strong card-sales volume helps with cash advances.
Steady capital. Solid partners.
Ready to fund your retail business?
Apply in about five minutes with no hard credit pull, or talk through your options with an advisor who knows your industry.