Funding for retail stores

Stock the shelves before the rush, not after it.

Retail lives and dies by inventory timing. We connect storefronts and multi-location retailers to lenders who fund seasonal buy-ins, fixture upgrades, and expansion — and who get that your cash is tied up in stock.

Get my funding options (213) 785-8787

Need it fast? Tell us and we'll move your file to the partners who can act quickest.

Shop owner standing in a bright retail boutique storefront

Avg we put together

$65K

$0K

Avg amount we put together

$5K–$1M

Funding range available

24 hr

Fastest options on file

Banks & partners we shop

What it funds

What retailers use BadCreditBusinessLoan.com for.

Seasonal inventory

Buy holiday and seasonal stock at volume pricing before demand hits.

typically $10K – $300K

Store build-out

Refresh fixtures, signage, and lighting or open a second storefront.

typically $25K – $500K

Marketing & launches

Fund a grand opening, paid ads, and a holiday campaign push.

typically $5K – $60K

Cash-flow cushion

A revolving line to smooth the gap between buying stock and selling it.

typically $25K – $250K

Best fit for retail stores

The funding we'd put on the table.

Merchant cash advance

Advance against future card sales. Remits scale down on slow weeks.

$10K – $500K · 4–18 mo

Business line of credit

Revolving capital you draw on demand. Pay interest only on what you use.

$25K – $1M · revolving

Working capital loan

Short-term lump-sum capital for payroll, inventory, and operating costs.

$10K – $750K · 6–24 mo

Equipment financing

Up to 100% of equipment cost financed, with the asset as collateral.

$15K – $5M · 2–7 yrs

Questions, answered

Retail funding, demystified.

Don't see your question? Call (213) 785-8787 or email hello@badcreditbusinessloan.com.

No. A merchant cash advance remits as a percentage of daily card sales, so slow months remit less. Lines of credit let you pay interest-only minimums in the off-season.

Often yes. Some of our partners can fund inventory advances within 24–48 hours once approved. Tell us the deadline and we will prioritize the quickest option.

Both. Card-processing volume, marketplace deposits, and bank statements all count as revenue we can underwrite against.

It varies by product. Strong, steady revenue can outweigh a thin or bruised credit profile. We shop the partners most likely to say yes to your file.

See what your store qualifies for.

Four minutes. Soft credit check. Real options before your next big buy.

Get my funding options

No tax returns required to start

Options put together within 1 business day

Seasonal-revenue friendly

Soft pull — your credit score is safe