Funding that keeps your shelves full.
Stock up before the rush, expand your floor, or smooth out seasonal swings — with capital structured for how retail actually earns. For shops and boutiques nationwide.
We know how stores really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
How each option works
The programs our lending partners actually offer businesses like yours. Not sure which one? Check your options and we'll match the structure to the deal.
Working Capital Loan
Money for payroll, stock, and the slow months.
See terms & details →Business Line of Credit
Draw what you need, when you need it.
See terms & details →Inventory Financing
Turn inventory into working capital.
See terms & details →SBA 7(a) Loan
The most flexible SBA loan there is.
See terms & details →Want the full picture first? Get a free Capital Position Report — where your business stands and what it likely qualifies for.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeYou need inventory before the holiday rush.
The fair fixSeasonal working capital to buy ahead and capture volume discounts.
The squeezeA daily-debit advance drains the register.
The fair fixFixed payments that won't choke your day-to-day cash flow.
The squeezeExpansion costs hit all at once.
The fair fixLump-sum funding for build-outs, fixtures, and new locations.
What shop owners use it for
Put the capital where it moves the needle most.
Seasonal inventory buys
Store build-outs & fixtures
New location openings
Point-of-sale upgrades
Marketing & local advertising
Bridging slow months
Specific industries we serve
Your exact line of work may have its own page, with tailored financing and the needs we see most.
Tools and guides for retail & boutiques
Run the numbers
Compare side by side
Guides & related financing
From our insights
What it takes to qualify
Most operators here start with business capital — but if you're financing property or equipment, that path qualifies differently.
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Real Estate & Assets
- Credit generally 620+ (equipment) to 640+ (rental property)
- Equity or down payment — typically up to ~75% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your store?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
