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    Retail financing

    Retail Business Loans

    Retail runs on inventory and seasons. A line of credit or working capital loan lets you stock up ahead of busy periods; term and SBA loans fund new stores and renovations.

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    Financing that fits

    Business Line of Credit

    Buy inventory before the season and repay as it sells.

    ApplyHow it works

    Working Capital Loan

    A lump sum for a big inventory buy or a slow stretch.

    Apply

    SBA Loan

    Longer terms for new locations and buying an existing store.

    Apply

    What owners finance

    • Inventory ahead of peak season
    • Opening or relocating a store
    • Renovations and fixtures
    • Point-of-sale and technology upgrades
    • Marketing pushes

    What lenders look at

    • Monthly sales and deposit trends
    • Inventory turnover
    • Lease terms
    • Seasonality across a full year

    Documents to have ready

    • Business bank statements
    • Recent tax returns
    • Profit and loss statement
    • Lease agreement
    • Card processing statements

    Common questions

    Can I borrow against my inventory?
    Some lenders offer inventory-based lines of credit; others look mainly at your sales and cash flow.
    How do lenders view seasonal sales?
    They expect it. A full year of statements shows the pattern and helps size the right line.
    Can I finance a second location?
    Yes. Term and SBA loans are common for expansions; lenders will look at how the first store performs.

    Financing for your retail business

    One application. Matched lenders. Offers you can compare side by side.

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