Cash flow challenges every retail store faces
Inventory timing
Holiday and seasonal inventory must be bought and paid for well before customers buy it.
Seasonal sales swings
Many stores earn a large share of their profit in November and December while expenses continue all year.
Competition
Staying competitive with larger chains and online sellers requires ongoing investment in marketing and store experience.
Common uses of retail store funding
- Seasonal and holiday inventory
- Bulk purchasing discounts
- Store renovations and displays
- Point-of-sale and e-commerce systems
- Opening a new location
- Marketing campaigns
Why merchant cash advances fit Retail Stores
Retailers process a high volume of card transactions, giving funders a clear view of sales. Repayment can follow daily sales, which suits the natural ups and downs of retail.
Example: A boutique averaging $45,000 a month in sales needs $30,000 in September to stock holiday inventory. The advance is repaid from strong November and December sales. (Illustrative example only; actual offers depend on underwriting.)
Requirements for retail store funding
- 12+ months in business
- About $10K+ in monthly deposits
- Last 4 months of business bank statements
- All credit scores considered
Learn more about how a merchant cash advance works or check the full requirements.
How to apply
- Complete our online application (about 5 minutes).
- Upload your last 4 months of business bank statements.
- Our funding partner reviews your application and contacts you with options — funding can happen within 24 hours of approval.