Retail business loans and inventory financing
Working capital for Canadian retail stores to stock up for peak seasons, bridge slow months and invest in the shop floor.
- Funding
- $5K – $1M
- Suggested product
- Business loan or merchant cash advance
- Decision
- As little as 1 business day
- Minimums
- 6 months, $10K/month
Why retailers use fast funding
Retail cash flow is seasonal: inventory has to be bought months before it sells. Fast funding lets store owners buy at the right time, keep shelves full through the holidays and cover quiet weeks without dipping into personal savings.
Stores with steady card sales can choose a merchant cash advance that follows their revenue, while a term loan suits a defined purchase such as a renovation or a new location.
Example
$60,000 × 1.20 = $72,000
You receive $60,000 and repay $72,000 in total, a fixed amount agreed upfront. Illustration only; your offer comes from the lender.
How owners use the funds
Holiday inventory
Buy stock ahead of Black Friday and the holiday rush.
Slow-month cash flow
Cover rent and payroll through quieter months.
Store improvements
Renovate, add fixtures or upgrade your point-of-sale.
A second location
Fund the deposit, fit-out and opening inventory.
Funding options
Business loan
A lump sum repaid over 6 to 24 months with automatic payments. Best for inventory, equipment, hiring and expansion.
- Fixed total cost agreed upfront
- 6 to 24 month terms
- Daily or weekly payments
Merchant cash advance
An advance against future sales, repaid as a share of your card revenue. Payments rise and fall with your sales.
- Repayment flexes with sales
- Built for card-heavy businesses
- Approval based on sales history
Line of credit
A revolving credit line you draw from when you need it. Built for seasonal gaps and unexpected costs.
- Draw only what you need
- Reuse as you repay
- A cash-flow safety net
Retail stores financing FAQ
Can I use a business loan to buy inventory?
Yes. Inventory is one of the most common uses of working capital funding for retail stores.
Which is better for a store, an MCA or a loan?
An MCA's repayment can follow your card sales, which helps in seasonal months; a term loan has fixed payments and suits planned investments.
How fast can a retailer get funded?
Decisions come in as little as 1 business day and funds as fast as 24 hours after approval.
Funding for retail stores
Send a 2-minute request and get a same-day introduction.