Reviews from retail business owners.
Business owners love that Lendio helps them get funding without the headaches.
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*
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.
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50% repeat customers.
75+ lenders
providing broad coverage for small business lending.
*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.