Retail Business Loans: Inventory, Seasonal Capital & Store Growth
Retail businesses live on inventory cycles, seasonal peaks, and the need to act fast on buying opportunities. OneDay Capital connects retailers to funding from 50+ funders — decisions in hours, not weeks.
Get Pre-Approved Free →No credit impact · 5 min application · Same-day decisions
$5K–$5M+
Funding amounts
Same day
Fastest funding
500+
Min. credit score
50+
Active funders
Retail Funding Options
One application surfaces all product types from 50+ funders simultaneously.
Lump sum deposit for defined needs. Fixed daily or weekly repayment — predictable and structured.
Revenue-proportional repayment based on daily card sales. Flexible payments that rise and fall with your volume.
Revolving credit — draw as needed, repay, draw again. Pay interest only on what you use. Perfect for recurring inventory orders.
Finance retail fixtures, point-of-sale systems, and store equipment with the asset as collateral.
How Retail Businesses Use Working Capital
Seasonal inventory buildup
Stock up for Q4 holidays, back-to-school, or peak seasons before cash is available from sales.
Bulk inventory discount capture
Lock in a supplier discount for a large order that produces margin well above the cost of capital.
New product line launch
Fund initial inventory for a new category or SKU range without depleting operating cash.
Second location or expansion
Cover build-out costs, initial inventory, and operating capital for a new store.
Marketing and promotional campaigns
Fund a seasonal campaign, social ads, or influencer partnerships with a clear revenue return.
Cash flow bridging
Cover payroll and overhead while waiting on large wholesale or commercial orders.
Retail Funding Requirements
Monthly revenue
$10,000+ in gross deposits or card sales
Time in business
6+ months (3+ months for MCA)
Credit score
500+ personal FICO (revenue is primary factor)
Documentation
3–6 months of bank statements
Collateral
Not required for working capital and MCA products
Retail types
Brick-and-mortar, e-commerce, omnichannel, specialty
Get Retail Funding in 24–48 Hours
Apply in 5 minutes. No credit impact to check eligibility. 50+ funders competing for your business.
Get Pre-Approved Free →