Retail financing
Q4 inventory gets bought in Q3 with Q2's cash.
Holiday inventory is purchased months before the revenue shows up — and the buy gets bigger every year.
The financing reality
Your money moves on a cycle. So should your capital.
A seasonal inventory build around $60,000 spread over five months.
A typical situation, not a quote.
What usually fits
Top financing for retail.
Three products that match this industry's cash-flow pattern — with the honest reason for each.
Business Line of Credit
Fund seasonal inventory and repay as it sells through.
- Approval range
- $10K – $2M
0% APR Business Credit Cards
Interest-free runway on inventory you'll clear in the window.
- Approval range
- Up to $250K
Credit Card Processing
Lower processing costs across high transaction volume.
- Markup
- Interchange + 0.15% + 8¢
Specialists
Specialized in your field?
Deeper dives into the retail verticals we know inside out.
Retail & consumer
Related industries
Retail financing
Capital that fits how you actually get paid.
Tell us about your business once. One advisor maps your cash-flow cycle to the right partners — and shows the true cost of every option.