Business Loans for Retail Stores
Stock the shelves before the rush, not after. Retail funding from $5K to $500K+ with approval in hours and no hard credit pull.
Retail is a game of having the right inventory at the right time. The holiday season, back-to-school, or a viral product moment can make your quarter — but only if you can afford to stock up weeks before the sales land. Too many independent retailers watch revenue walk out the door because they couldn't finance the inventory their customers wanted.
Coast to Coast Funding Group helps brick-and-mortar shops, boutiques, specialty stores, and multi-location retailers get the working capital to buy inventory, refresh their storefront, launch e-commerce, or simply smooth out the slow months. With funding from $5,000 to $500,000+ deposited in as little as 24-48 hours, you can move at the speed retail demands.
How Retail Stores Use Funding
Order holiday, back-to-school, or event inventory months ahead without draining your cash reserves. Sell through, repay, repeat.
New fixtures, lighting, signage, and layout changes turn foot traffic into sales. Fund the remodel during a quiet week and pay it off during the busy one.
A real online store — photography, platform fees, fulfillment setup, ad spend — takes upfront investment. Funding gets you selling online faster.
January through March are brutal for many retailers. Working capital covers rent, payroll, and utilities until traffic returns.
Deposits, buildout, initial inventory, and staff for location number two — fund the expansion while location number one keeps running.
Modern point-of-sale, inventory management, and loss-prevention systems pay for themselves. Fund the upgrade without touching operating cash.
Simple Process
Get Funded in 3 Steps
No lengthy applications, no weeks of waiting. Most businesses go from application to funded in 24-48 hours.
Apply in Minutes
Complete our short pre-approval form online or call us directly. It takes just a few minutes.
Get Approved in Hours
We review your bank statements and revenue — not just your credit score — and approve most applications within hours.
Funded in 24-48 Hours
Once approved, funds are deposited directly into your business bank account, usually within 1-2 business days.
Do You Qualify?
Simple Requirements
If your business is generating revenue, there's a good chance you qualify.
- Business bank statements from the last 6+ months
- Minimum monthly revenue of $10,000
- Business has been operating for at least 6 months
- No hard credit pull to check your options
FAQ
Frequently Asked Questions
Common questions about business loans for retail.
Can I get a loan to buy inventory for my retail store?
Yes — inventory financing is one of the top uses of our funding. Retailers regularly use merchant cash advances and term loans to stock up ahead of peak seasons. Because approval is based largely on your revenue and bank statements, you can get funded in 24-48 hours — fast enough to catch a buying window.
How much funding can a retail store qualify for?
Most retail businesses qualify for $25,000 to $500,000+, based on monthly revenue and time in business. Stores with strong holiday seasons often qualify on the strength of their peak months.
Do you fund both brick-and-mortar and online retail?
Yes. We fund physical storefronts, e-commerce-only sellers, and omnichannel retailers. If you sell products and have business revenue, we can look at your situation.
Will checking my options hurt my credit?
No. There's no hard credit pull to see what you qualify for, so you can explore funding without any impact on your credit score.
What if my sales are highly seasonal?
Seasonality is expected in retail. We evaluate your overall revenue pattern, and merchant cash advance repayments automatically adjust with your daily sales — you pay less during slow weeks and more when sales surge.
Can funding help me open a second location?
Absolutely. Many retailers use funding to cover the lease deposit, buildout, initial inventory, and early payroll for a second store while the first location keeps generating revenue.
Explore More Funding Options
Funding Solutions for Retail
Funding for Other Industries
Stock Up Before the Rush
Apply in minutes and get retail funding in as little as 24-48 hours. Your shelves — and your customers — will thank you.