In retail, your cash is tied up in inventory, and you have to buy ahead of the demand you're betting on. Add seasonal swings and ad spend that scales with growth, and timing is everything. We fund on your sales so you can stock up and market without draining the register.
Fast reviews · Clear communication · No misleading promises
Retail and e-commerce run on a bet: you buy inventory now for sales you expect later. Get the timing right and you scale; get caught short before a peak season and you leave money on the table. Meanwhile your cash sits in stock, not in the bank.
Revenue-based funding lets you act on the bet. Buy inventory ahead of Q4, scale ad spend while it's working, or open a second location, and repay as the sales you funded come through.
From the smallest operation to a multi-unit group, if you have steady sales, there's likely a path worth exploring.
Brick-and-mortar shops
Online & direct-to-consumer
Apparel & specialty
B2B & resale
C-stores & markets
Furnishings & decor
Cosmetics & wellness
Online + retail + marketplace
Bulk and seasonal inventory
Holiday and peak-season stock
Marketing and ad spend
A new location or warehouse
POS and e-commerce tech
Fixtures and store build-out
Bridging supplier payment terms
Expanding SKUs or channels
A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.
Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.
The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.
A realistic picture of what we look for, and what to have ready so things move quickly.
6+ months in business
$10k+ in average monthly sales
An active business bank account
Steady card or platform sales
U.S.-based retail or online business
3–6 months of business bank statements
Card or platform (Shopify, Amazon) statements
A government-issued photo ID
Business info (EIN, entity type)
Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.
We look at recent deposits and card volume to understand what you may qualify for.
See the products that fit your situation side by side, in plain language.
Once you choose a direction, funds for fast options can land in as little as a day.
Need to stock up before the holidays
Funded fast, shelves full for Q4
Ad spend scaling faster than cash
Drew to fund campaigns, repaid on sales
Opening a second storefront
Lower-rate financing for the build-out
Representative scenarios for illustration. Individual results, products, and timing vary.
We fund on sales, not just credit
Speed to stock up before a peak
Storefront and online businesses alike
Straight talk, no guaranteed-approval hype
Repayment that flexes with sales
One conversation to compare every fit
A merchant cash advance is the purchase of future receivables, not a loan, and it is priced with a flat factor rate, not an interest rate. That makes it fast and flexible, but the daily remittance does not pause for a slow week. Here is where owners in your line of work feel it.
A fixed daily or weekly debit keeps collecting at the same pace all year, but most retail revenue is back-loaded into Q4, so the same payment that is easy in December can bite hard in a slow January or February.
If you take the advance to buy inventory and that inventory sits longer than planned, you are paying down receivables on stock that has not sold yet, which ties up cash on both ends at once.
For online sellers, marketplace and processor reserves or a payout hold can shrink the deposits a percentage-based remittance pulls from, so a chargeback wave or an account review can stretch the effective payback window.
Stacking a second advance to chase another inventory buy or ad push layers a second daily debit on the same sales, and combined remittances can outrun your margin on discounted or clearance product.
Say a shop takes a $40,000 advance at a 1.35 factor to stock up before the holidays. That means $54,000 of future receivables is purchased, a flat figure with no compounding. Paid back over roughly 10 months of business days, that is about $245 per business day, which a strong Q4 can absorb comfortably but a quiet spring has to keep funding too. Expressed as an APR-equivalent it would run well above a bank loan, but that number is an estimate for comparison only, since an advance is priced on a factor rate and actual terms vary by funder and underwriting.
Illustration only, not an offer of credit. A factor rate is a flat multiplier; any APR shown is an APR-equivalent for comparison only. Actual terms vary by funder and underwriting.
“We sold out of our best product two weeks before the holidays last year. This year we funded the inventory ahead, best December we've had.”
Representative experience. Individual results vary. No outcome is guaranteed.
Still have a question? A specialist can usually answer the same business day.
Start a review→Plain-English answers to the questions owners ask before they apply.
Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.