Buy inventory ahead of your best weeks instead of after. Fast decisions for established retailers doing $60K+ a month.
Plan my inventoryRetail store funding
Inventory and working capital for retailers, through our partner, Merchant Fund Express, sized to your recent sales deposits.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Qualified retailers can be funded in as little as 24 hours. About three months of statements, no tax returns, five minutes to apply.
FICO 500+ is considered and the review begins with a soft pull. Consistent sales carry weight.
Your offer shows the full repayment amount before you accept. No surprise costs after signing.
The schedule is laid out in your offer up front, so you can model it against your sell-through.
Every purchase order is a forecast. Boutique apparel, sporting goods, home goods, specialty food, and electronics stores all commit cash weeks or months before customers walk in. Vendors offering early-order discounts or limited allocations reward the stores that can pay first. When your operating account is tied up in last season's stock, those opportunities slip past.
Same day retail funding searches usually come from owners staring at a vendor deadline. The honest answer: decisions move fast, and qualified stores can be funded in as little as 24 hours. Faster timing depends on the file and the bank.
The example below is for illustration only.
| Month | Projected sales | Inventory purchase |
|---|---|---|
| September | $85,000 | $70,000 |
| October | $110,000 | $55,000 |
| November | $160,000 | $30,000 |
| December | $190,000 | $15,000 |
Purchases peak two months before sales do. This store's largest cash gap lands in September, so that is when capital earns its keep. For more on inventory timing, see same-day inventory funding.
About three months of business bank statements and a 5-minute application. No tax returns are required, FICO scores from 500 are considered, and the first step is a soft credit pull. Sole proprietors can apply. Funding ranges from $25,000 to $5,000,000 and is provided through our partner Merchant Fund Express.
If you are building business credit as you grow, that effort runs on its own track. Funding decisions lean heavily on sales and deposits, so you can apply now and continue strengthening your credit separately. The business credit guide is a good place to start.
Have your recent statements and your buying plan ready, then apply here. Knowing your options early gives you leverage with vendors and room to plan the floor.
Yes. Revenue from all channels shows up in your bank statements and is part of the picture.
It depends on your sales pattern. Card-heavy stores often consider an advance; stores with repeat reorders may prefer a line of credit they can draw on.
Opening a location is a common use. Size the request around build-out, opening inventory, and the ramp period.
No. Qualified stores can be funded in as little as 24 hours, and anything faster depends on the file and the bank.
Reviewers focus on about three months of recent statements and read seasonal patterns in context.
Example uses for illustration only.
Small changes make your next inventory push easier to fund.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding