Financing solutions for retail stores, boutiques, and retail businesses.
Retail business loans help retail stores finance inventory, POS systems, store buildout, and working capital. Common uses: inventory purchases, POS and payment systems, store renovations, fixtures and displays, marketing, and seasonal inventory. Loan types: inventory financing, equipment financing (6-30% APR) for POS systems, term loans ($25k-$500k), lines of credit ($25k-$250k), and SBA loans (6-13% APR) for real estate. Approval in 24-72 hours for alternative lenders. Requirements: 6+ months in business, $10k+/month revenue, 600+ credit. Retail stores may need to show seasonal revenue patterns and inventory turnover.
Learn about equipment financing.
Best for: Inventory purchases, seasonal stock, and ongoing expenses.
Best for: POS systems, payment terminals, and store equipment.
Best for: Store buildout, renovations, and one-time needs.
Best for: Real estate purchase, large expansion, and established stores.
Retail revenue varies by season. Lenders may evaluate annual revenue or peak-season performance. Lines of credit help manage seasonal inventory needs.
Inventory ties up capital. Lines of credit provide flexible access to purchase inventory when needed, improving cash flow.
Retail faces competition from online and big-box stores. Lenders want to see strong location, unique offerings, or competitive advantages.
Learn more about how to qualify for a business loan.
Yes, lines of credit are ideal for inventory. Draw as needed for seasonal stock or new product lines, then repay as inventory sells. Pay interest only on what you use.
Equipment financing is best. POS systems serve as collateral, rates are competitive (6-30% APR), and approval is fast (24-72 hours). Terms typically 2-7 years.
New stores face challenges. May qualify for equipment financing or alternative lenders with 6+ months in business. SBA loans require 2+ years. Strong business plan and location help.
Apply now and get a decision in 24-72 hours. Fast approval for inventory, POS systems, and working capital.
Fast decisions • Clear terms • Real people