Funding for retail.

Most retail businesses qualify, including brick-and-mortar stores, e-commerce shops, franchises, pop-up retailers, and omnichannel businesses. This covers clothing and apparel, electronics, home goods, specialty food, sporting goods, pet supplies, and virtually any consumer product category. Minimum requirements typically include 6 months in business and $10,000 or more in monthly revenue.

Yes. Inventory financing and revolving lines of credit are among the most common funding products for retailers. A line of credit lets you draw funds when you need to place inventory orders and repay as products sell, so you only pay interest on what you use. This is particularly valuable for seasonal businesses that need to stock up before peak periods like the holiday season.

E-commerce businesses can qualify for lines of credit, short-term loans, and revenue-based financing. Lenders evaluate online retailers using monthly revenue data, sales trends from platforms like Shopify or Amazon, and bank statements. Many e-commerce businesses qualify with $10,000 or more in monthly sales and 6 months of operating history. Revenue-based repayment options adjust with your sales volume.

Lines of credit and short-term loans typically receive a preliminary decision within 24 hours, with funding in 2-5 business days. SBA loans take longer due to documentation requirements, usually 30-60 days from application to funding. For time-sensitive inventory purchases, short-term options provide the fastest access to capital.