Inventory doesn't wait for a bank's underwriting committee. Neither do we.
Retail runs on timing. A trade show is three weeks out. A supplier is offering a bulk discount that expires Friday. The holiday season is six weeks away and the shelves need to be full before it starts. None of that lines up with a 90-day bank approval.
We fund retail businesses against the thing that actually predicts whether you can repay: your daily card and bank revenue, not a stack of collateral. Most retail applicants qualify for daily repayment tied directly to sales, so a slow Tuesday doesn't hit the same way a fixed loan payment would.
Revenue-Based Funding, daily repayment, is the most common fit for retail. It's sized against your actual monthly revenue and repaid as a small amount taken each business day, so it flexes with how business is actually going. If you already have financing in place and need additional capital, our Second- and Third-Position Loans layer behind it.
A boutique retailer needs $150,000 to restock ahead of a trade show, but their bank won't move fast enough. They apply Monday, get an offer that afternoon, and have the funds by Wednesday, repaid automatically as a small slice of each day's card sales.
Common questions from retail business owners.
