Retail store business loans, fast.

Apply for financing today to build your business, upgrade your equipment, or fund your next project.

$
Applying is free and won't impact your credit*
$250K retail loan approved!

Reviews from retail business owners.

Business owners love that Lendio helps them get funding without the headaches.

Proven retail lending expertise.

Get the answers and the funding you need with support all along the way.

$737 million

in small business funding facilitated in the last decade.

4.8 stars

21,000 Trustpilot® reviews.
50% repeat customers.

75+ lenders

providing broad coverage for small business lending.

Four simple steps to retail funding.

Tell us about your business.

Answer a few simple questions and complete the application in minutes.

Submit your application.

We’ll present your application to our marketplace 75+ lenders. Applying is free and won’t impact your credit score.

Compare offers.

Find the funding option with the terms that best fit your small business goals.

Get funded.

Once you accept, funding can hit your bank account in as little as 24 hours.

Quickly estimate your funding options.
Time In Business
0 - 6 Months
6 - 12 Months
1 - 3 Years
3+ Years
Monthly revenue
Industry
Credit Score
Business type
Legal partnership
LLC
Corporation
Sole proprietor
Congrats--it looks like you qualify.*

Based on your business information you could qualify for up to $ 52,000 in funding

Funding amount *

$ 36,000 - $ 52,000

*Amount is an estimate only using the information provided Businesses like yours typically receive offers like these.
Compare your funding options today.
Apply now

Many businesses don't qualify for funding for all kinds of reasons. A few factors could include:

Not enough revenue
Not enough time in business
Credit score is too low

*Qualification criteria, rates, and other funding terms will vary depending on the type and location of your business, and upon other factors. This is not a guarantee of funding, and it should not be relied upon as an accurate assessment of the availability or terms of the represented funding products.

How much can I qualify for?

Not sure what you need or what funding options are best for you? Use our simple calculator to get a rough idea of your options with no commitment, and apply when you’re ready.

Lendio knows the retail business.

With Lendio, you can explore different financing structures to findthe one that fits your company’s next big move. Use funds to:

Bridge seasonal downturns

Purchase inventory

Refinance existing debt

Pay your employees

Invest in marketing

What type of commercial real estate funding is best for your business?

These are the most popular types of funding that other retail-based businesses qualify for through Lendio.

Business Line of Credit

Access available funds whenever you need them, and only pay interest on what you draw.

Revenue-Based Financing

Access funding based on your future revenue and repay with regular payments.

SBA Loan

Get low-interest, government-backed funding to expand your business.

What types of business loans are available to retail businesses?

Revenue-based financing

Also called a business cash advance, revenue-based financing allows business owners to borrow money based on expected future revenue and then repay the amount in daily or weekly payments.

Term Length
1-15 months
Max Loan Amount
$1 million

Debt financing

Debt financing is a traditional loan product. The full loan amount is received in one lump sum, and monthly payments are made until the loan is fully repaid with interest. Borrowers have two options when using debt financing for their retail business loan needs: term loans and SBA loans.

Term Length
6 months-25 years
Max Loan Amount
$5 million

Line of credit

If you understand the premise behind a credit card, then you’ll understand a line of credit. As you pay down your balance, the line of credit once again becomes available. Business lines of credit can be used for a variety of purposes, making them great for general capital needs.

Term Length
6-24 months
Max Loan Amount
Up to $250,000

FAQs

Find answers to some commonly asked questions in the retail industry.

What is a retail business loan?

A retail business loan is financing offered to retail businesses to help them cover various expenses such as inventory purchases, store renovations, equipment upgrades, or working capital needs. These loans can be offered by banks, credit unions, or online lenders and typically require the business to meet certain criteria, such as creditworthiness and business history, to qualify. The loan terms, including interest rates and repayment schedules, can vary based on the lender and the borrower’s financial profile.

What are the requirements to get a retail business loan?

Minimum requirements start at:

  • A credit score minimum of 600
  • Monthly revenue of $8,000 or more
  • At least six months time in business
What can I use a retail business loan for?

Use a retail business loan to cover a mix of retail expenses, including to:

  • Pay employees
  • Purchase inventory and supplies
  • Market your business
  • Upgrade your equipment and facilities
  • Cover the bills

Ready for funding?

See what you can qualify for on the Lendio Marketplace.