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Stock inventory, manage seasonality, and grow locations with flexible capital.
Retailers can draw $5,000 to $10 million for inventory and working capital, sized to monthly revenue — typically 80% to 150% of it — with a decision within 24 business hours and a soft credit pull only. Retail is a timing business: buy inventory months ahead, sell it in a compressed season, repeat. The stores that win are the ones with capital to buy deep when terms are good — and enough cushion that one soft season doesn't dictate the next buy.
We fund brick-and-mortar shops, e-commerce sellers, and hybrid operations at $5,000–$10 million, qualified on 3+ months in business and $10,000+ in monthly revenue across your channels. Decisions land within 24 business hours — fast enough to answer a vendor's closeout offer while it's still on the table.
Retailers typically see 80%–150% of monthly revenue, within $5,000 to $10 million. A shop doing $35,000 a month usually lands in the $28,000–$52,500 band. If you're buying for a peak season, the useful question is whether the payment schedule reaches its heaviest point before or after that season converts to cash.
Yes — Shopify, Amazon, marketplace, and in-store deposits all read as revenue. What matters is consistent deposits into your business account across the last 3–4 months.
The product is the same working capital; the discipline is matching the term to your sell-through. Funding a 4-month season on a 3-year term costs more than it should — your advisor will size the term to the buy.
No — underwriting averages your recent months and retail seasonality is expected. If timing is flexible, applying on the strength of your good months puts your best file forward.
That's the single most common retail use. The thing worth checking is whether the repayment schedule reaches its heaviest point before or after that inventory converts to sales.
Yes. Include every deposit account — in-store card volume, e-commerce settlements, and marketplace payouts are all revenue, and partial statements produce a smaller offer.