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Retail funding

Your supplier's PO deadline is Friday. Your bank needs 6 weeks.

$25K to $200K. In your account tomorrow. Direct funded. 24 hours.

See What You Qualify For
24HR Avg time to fund
$25K–$200K For retail businesses
No credit pull To apply
Direct Funder
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Estimator · No credit pull

What can businesses your size actually fund?

Pick three things. We'll show the typical range. The real number takes 3 months of statements and 4 hours.

The real problems

You buy inventory in August. You sell it in November.

Retail is a timing game. You have to spend $50K-$100K on inventory 8-12 weeks before the revenue shows up. Miss the buy window and you miss the season.

PO deadlines are 8-12 weeks out

Your supplier needs a $40K deposit by September 1st or your holiday inventory ships late. Late inventory = empty shelves in November.

$25K-$100K typical

Your store looks tired

New fixtures, better lighting, updated POS. A $30K remodel can boost revenue per square foot 15-25%. But the work has to happen before the busy season, not during it.

$25K-$75K typical

Ad spend is 60-90 days ahead of revenue

You spend $15K on Google and Meta ads in October. That drives $80K in November-December sales. But you need the $15K now.

$15K-$50K typical

Hiring 6 temps costs money before they earn it

Training starts 3-4 weeks before Black Friday. That's $8K-$15K in payroll before you see a dollar of holiday revenue.

Same-day decision
How it works

Apply today. Funded tomorrow.

We look at your bank statements, not your credit score. Most retail businesses hear back within hours.

01 Apply

60-second application

Store name, monthly revenue, how long you've been open. No inventory reports. No lease docs.

02 Review

We review 3 bank statements

No credit pull. No collateral. No personal guarantee headaches. We look at cash flow.

03 Fund

Cash hits your account

24-48 hours after approval. Place that PO, hire the staff, run the ads.

Day 0 · Apply Day 0 · Review Day 1–2 · Funded
Last quarter

Boutique in Brooklyn. Holiday stock. 48 hours.

”

Needed $45K to place a holiday PO with her supplier before the September cutoff. Applied Monday. Cash in her account Wednesday. She doubled revenue that Q4.

$45,000 Funded
48 HRS Apply to cash in account
2x Q4 revenue vs prior year
✓ No credit pull ✓ No personal guarantee required ✓ Direct funder
Common questions

Retail business funding — answered.

Do you fund retail businesses with bad credit?+

Yes. We've funded retail businesses with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.

How fast can a retail business get funded?+

Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.

How much can retail businesses qualify for?+

$25K-$200K is the typical advance range for retail businesses, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.

What do I need to apply?+

Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.

Is this a loan?+

No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.

Find out your number in 60 seconds.

No credit pull. No collateral. Just a quick form and we'll tell you what you qualify for today.

Apply Now
✓ No credit pull ✓ No obligation ✓ Decision same day