Working capital for retail businesses.
Funding that buys inventory ahead of a season, fixes the storefront, or opens a second location without watching the operating account drain.
Retail is inventory cycles, holiday math, and a landlord whose CAM charges arrive every January. The right funding lets you buy inventory ahead of a season, fix the storefront, or open a second location without watching the operating account drain during the slow first quarter.
What we underwrite, what we don't require, and how the file actually moves.
We fund brick-and-mortar boutiques, small chains, specialty stores, salons and spas, garden centers, hobby and gift shops, sporting-goods stores, and ecommerce-native retailers. Single-location and multi-location operators qualify the same way. Most files we fund are between 6 months and 20 years in business with monthly deposits between $15,000 and $500,000.
Working capital is the most common product. The classic retail use case is a Q3 inventory pre-buy for the Q4 holiday peak — funded in summer, sold in winter, paid back over the spring. A fixed weekly ACH works for steady-deposit retailers; revenue-based advances flex with weekly volume for operators with steep seasonality (garden centers, ski shops, beachwear, Halloween retailers). Lines of credit fit operators who buy inventory in smaller, more frequent cycles.
Equipment financing covers POS systems, walk-in coolers, refrigeration, signage, and store fixtures. Ecommerce operators on Shopify, Amazon, or their own stack qualify off bank statements and processor reports — we do not require a brick-and-mortar storefront, and we do not require you to switch processors or route deposits through a specific bank.
We do not require UCC priority over inventory, landlord notification, or any change to your processor. UCC filings are standard. Personal guarantees are required from the principal owner. Every cost element is on the offer document in writing before you sign.
What we fund
- Inventory pre-buys for seasonal peaks (Q4 holiday, back-to-school, spring)
- Storefront remodel, fixtures, and signage
- POS upgrades and ecommerce buildouts
- Second-location opening or relocation
- Marketing pushes for new product lines or category launches
- Bridging slow first-quarter months
What you'll need
- 6+ months in business
- $15,000+ in monthly deposits
- 4 months of business bank statements
- Processor statements (ecommerce or omnichannel)
Things retail operators ask first.
Pre-season inventory funding
A common file: a Q4 holiday inventory pre-buy funded in July or August. Working capital or revenue-based advance, paid back across the post-holiday months.
Ecommerce-only is fine
Shopify, Amazon, BigCommerce, and ecom-native sellers qualify off bank statements and processor reports. No brick-and-mortar requirement.
POS-agnostic
We size offers off your business bank account. You do not need to switch POS, route deposits to a specific bank, or change processors.
Peak-season top-ups
Existing operators can request an additional funded amount before peak season starts, sized off updated deposit history.
A TN boutique funded a Q4 inventory pre-buy. Holdback drafted from daily deposits; structure aligned with the seasonal cash cycle.