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Retail Business Financing

For... Convenience Stores Discount Stores Drug Stores  Liquor Stores E-Commerce Stores Your Small Business
  • Up To $2 Million
  • 24 hour Funding
  • Cash Flow - Forecast
  • Strengthen Supplier Relationship
  • Boost Purchasing Power
Get Started Today & Speak With An Advisor
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Simple Application

Our simple 15 second online application can get you matched with offers in minutes.

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No Minimum FICO

Bad credit? No problem! Most of our top financing options have no minimum FICO.

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Larger Amounts

Get matched with the best financing options with the highest funding amount.

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Same Day Funding

Our FinTech Speed can get you in and out of Underwriting in just a few hours, and same day funding!

How To Qualify For Retail Loans

1 year in Business

We fund all businesses, from those taking their first steps (with 650+ credit) and everything in between.

$5,00 Monthly Gross Sales

If your credit score is 650 or higher, there are no required sales minimums – TRAM has the perfect financing option for you!

600 FICO

You don’t need squeaky clean credit to qualify for a small business loan—we work with all credit profiles.

FinTech
Speed

Easy 15-second application to get options in just minutes and funding in hours!
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What is a Retail Business Loan?

A retail business loan is a loan specifically intended for business purposes. A retail business loan gives you the needed capital to pay for inventory, retail equipment, back taxes, hiring new employees, overhead, or payroll for retail businesses. Also, these loans depending on the lender allow for flexible payments for example daily, weekly, and in some cases monthly options. When you have clients who need to get paid but won’t sell your stock for a while, this can be the much-needed support for retail business owners to help you effectively manage your stream of income.

Retail Business Loans: How They Can Help You

The financial side of running a retail store can be one of the most difficult tasks of a retail business. Whether you’re a brick-and-mortar store or an e-commerce seller, we understand that businesses need support. It might seem overwhelming to manage your income through unexpected ups and downs. That’s where funding can help.  

Open a New Location or Upgrade Your Store Fixtures


If you are a small business owner looking to remodel your store or open a new location, then you may be interested in a real estate business loan to finance your renovation project or purchase your investment.  Additionally, if you need business financing for equipment, see our financing and leasing options.

What are the benefits of Retail Financing

New Retail Equipment

  • You can use a small retail equipment loan to buy new equipment, fixtures, and displays
  • Use equipment leasing and financing to purchase all types of retail equipment to improve customer experience

Hire More Staff

  • With retail business financing, you can address the need for hiring more staff during busy times of the year
  • Apart from financing hiring, you may also use the capital from a store loan for training costs and payroll to keep your employees happy

Marketing & Advertising

  • Use a store loan to advertise and grow your customer base or promote a new store location
  • Build or optimize your website, add new signage, or place a magazine or newspaper ad to generate new customers

Purchase New Inventory

  • Importantly, varying sales can deplete inventory and impact customer satisfaction not having the right sizes
  • Retail business inventory financing can be taken advantage of to purchase inventory which will, in turn, drive up sales, which can increase your wholesale purchasing power for merchandise

Manage Cash Flow

  • Maintain your capital cash flow to manage expenses when experiencing unforeseen store issues
  • Utilize a store inventory financing loan to stock your store with the newest, highly sought after merchandise

Seasonality

  • Put yourself ahead of the competition using a retail business loan throughout the different seasons
  • Have the extra funds to acquire seasonal and holiday merchandise in advance to meet your customer’s demand

Types of Retail Companies We Serve

We offer retail business loans to a wide range of industries and companies.  Here are some of the retail businesses & industries we’ve worked with:

  • Department Stores
  • Franchise & Chain Stores
  • Specialty Stores
  • E-Commerce Stores
  • Super Markets
  • Convenience Stores
  • Drug Stores
  • Discount Stores & Outlets
  • Off-Price & Used Goods
  • Super Stores & Hyper Markets
  • Manufacturers
  • Mobile Retailers

More About Retail Financing Options

This will depend on the product you are applying for. We have issued retail store loans within 24 hours, as quickly as the same day. The faster you provide us with the necessary documents, the quicker we can move on our end to expedite the process for you.  

Approximate time for each product

Funds from retail loans such as business term loans, lines of credit, working capital loans, equipment financing, merchant cash advance, account receivable factoring, and revenue-based business loans should appear in your bank account within 1-3 business days. For SBA loans and real estate financing, it can take up to 2-5 weeks to receive funds.
 
To learn more about Retail Loans and the options that may be available for your business complete our 15-second online application today.
PROS

Retail businesses grow by taking on risks to expand and increase their revenue and bottom line. Thanks to retail loans, you can say “yes” when your cash flow would otherwise force you to say “no.” In other words, you don’t have to let expenses pile up, long gaps between compensation, or delays with payroll.

Cash flow shortages can make it difficult to retain high-quality employees and build loyalty. This is one of the biggest challenges of retail businesses. Retail store loans ensure that you’re always able to pay your employees on time, even when projects get delayed. After all, a larger team allows you to take on larger projects.

CONS

Although there are many advantages to getting retail stores loans, many small businesses don’t want to get themselves into too much debt by borrowing more money than they need. As stated previously, receivables in the retail industry can be inconsistent. With so many factors out of your control, it’s therefore tough to predict how busy you will be. Clearly, adding a loan payment to the mix might do more harm than good in some cases.
 
To learn more about Retail Loans and the options that may be available for your business complete our 15-second online application today.

Yes, even if you have another loan with a bank or lender, your business may still indeed be eligible. As long as you have not defaulted, have a good payment history and underwriting determines that your business can afford to pay back the loan, you can still qualify for a retail business loan. 

To learn more about Retail Loans and the options that may be available for your business complete our 15-second online application today.

Importantly, this will depend on what type of retail business loan you are applying for. For example, an SBA loan is a lot harder to get approved for rather than an equipment financing loan. However, here at TRAM Funding we offer a variety of loan options for you to choose from.  In addition to this, each type of retail financing loan has different qualifications so that you can find the best solution that works for you. To ensure you can get qualified and get the best interest rates and terms, you’ll want to have all your finances in order. See below the documents you’ll need to apply.

To learn more about Retail Loans and the options that may be available for your business complete our 15-second online application today.

The rates and terms depend on a wide range of factors that determine your business’ risk score. This includes the product you’re applying for, how long you’ve been in business, credit history, what you’re using the money for, revenue & other financial factors.  To determine which retail business loan is the best fit for your business, speak with a dedicated funding advisor to discuss your needs. Call (212) 717-9000 today to compare your options.

To learn more about Retail Loans and the options that may be available for your business complete our 15-second online application today.

Yes, even if you have a bad credit history, there are funding options available to you. At this time, short-term loans, working capital, equipment financing, and invoice financing are great options for those with less than average FICO scores.  

You don’t need entirely consistent cash flow, a substantial bank balance, or excellent personal credit to be approved. You can still get funded in a matter of days, even if the majority of your operating capital is spoken for.

To learn more about Retail Loans and the options that may be available for your business complete our 15-second online application today.

What your retail business qualifies for, will depend on the product you apply for. Newer, less-established businesses might be able to qualify, even with a short time in business. SBA Loans and Lines of credit are more for businesses with good credit and a solid financial history.  Therefore to qualify with Upwise, you only need 4 months of business history.  If you are looking for a larger dollar amount, please ask one of our funding specialists about adding collateral or securing the retail loan with invoices or account receivables.  

The maximum credit limit amount, introductory term of the credit line, and repayment terms depend on your business’s revenues, credit rating, tradeline history, time in business, and other factors

To learn more about Retail Loans and the options that may be available for your business complete our 15-second online application today.

When it comes to financing companies for retailers, it’s important to choose a good lender who understands your industry.  You can go to a traditional bank or credit union to see if they will approve your business.  The other option is online lenders like TRAM Funding.  Those who specialize in retail lending or retail store financing will be able to underwrite and approve your business in the shortest amount of time.  

To learn more about Retail Loans and the options that may be available for your business complete our 15-second online application today.

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