Retail lives and dies by inventory timing, you buy the season's stock months ahead, tie up cash on the floor, and ride out slow months between peaks. A boutique with great sell-through can still be cash-tight right when it needs to reorder. We fund on your sales so you can buy inventory ahead of demand, not behind it.
Fast reviews · Clear communication · No misleading promises
Brick-and-mortar retail front-loads its cash into inventory: you commit to and pay for a season's merchandise long before it sells, carry it on the floor, and absorb the slow months between holidays and peaks. A boutique can be selling well and still be short on cash exactly when it's time to reorder the bestsellers or buy the next season. Banks see the seasonality and the soft collateral and pass.
Revenue-based funding reads your card and POS sales, so you can buy inventory ahead of demand, refresh the store, or bridge a slow stretch, and repay as the merchandise moves.
Seasonal and inventory buys
Restocking bestsellers
Store build-out or refresh
Bridging slow months
POS and e-commerce integration
Marketing and promotions
Pop-ups and second locations
Holiday ramp-up
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 operation
$10k+ in average monthly sales
An active business bank account
Steady card or POS revenue
U.S.-based retail business
3–6 months of business bank statements
Card-processing or POS statements
A government-issued photo ID
Basic 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.
Holiday inventory due before Q4 sales
Funded fast, shelves stocked for the rush
Bestseller sold out, reorder needed
Drew to restock, repaid as it sold
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
Capital to buy inventory ahead of demand
Boutiques, shops, and specialty retail
Straight talk, no guaranteed-approval hype
Repayment that flexes with the season
One conversation to compare every fit
“Our holiday buy is bigger than our summer cash can cover. The funding let us stock up in October and we had our best Q4 ever.”
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.
We tailor funding to specific businesses across the industry, explore the others.
Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.