Retail is a timing game: the stores that win Q4 placed their inventory orders in September. Funding lets you buy stock when it's cheap and sell it when demand peaks — instead of watching the season pass with thin shelves.
What retailers fund most
- Seasonal stock-up — holiday, back-to-school, summer — order deep before the rush
- Bulk-buy discounts — suppliers reward big orders; capital captures the margin
- Store refresh — fixtures, lighting, signage, POS upgrades that lift sales per visit
- New product lines — test categories without starving your best sellers
- Bridging slow months — rent and staff don't pause in February
Why retail reviews well
Daily card batches plus marketplace payouts give underwriters exactly what they want: verifiable, frequent deposits. That's why an Revenue Based Financing — repaid in step with your sales — fits retail naturally, and why working capital programs approve retailers that banks decline. Planning a renovation with a fixed budget? Compare a term loan.
💡 Inventory math: fund inventory only when expected margin clears the cost of capital with room to spare. A 2.2× markup on goods funded at a 1.3 factor leaves real profit; a 1.4× markup doesn't.
Typical qualifying profile
- 6+ months in operation, physical or online-plus-physical
- $10K–$15K+ monthly revenue across POS and payouts
- Mid-600 credit considered — see the 650 score guide
- Statements ready per the document checklist
Approval and terms are subject to lender underwriting.
Stock the shelves before the season hits
60-second form — funding reviews timed to your buying calendar.
Check My Funding Options