Retailer Funding

There were over 328,000 physical retail stores and over 2.5 million e-commerce retailers in the USA in 2020, with small retailers making up 98% of all retail firms. Help your retail store stand out from the competition with up to $500,000 in funding from Greenbox Capital® in as fast as 24 hours.
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Fast, Easy Retailer Funding You Can Trust

Getting the working capital your retail store needs from a traditional lender can be difficult. The process can take weeks or months, and many applications are denied because traditional lenders often consider retailers “high risk” due to factors like unpredictable consumer demand, sensitivity to economic conditions, and high competition from other retailers.

As an alternative lender, Greenbox Capital can approve more retail store funding than traditional lenders, often in just one business day. We provide a number of different types of small business funding to help grow your retail business, with alternative retailer loans from as low as $3,000 up to $500,000. We fund all types of retail businesses, including salons and spas, specialty stores, clothing stores, convenience stores, and more.

Retail Store Funding Rates

Retailer funding rates depend on the type of alternative small business funding you receive. Most alternative retail store funding options use a factor rate instead of a traditional interest rate. Factor rates are simple decimal figures that show how much “extra” you will owe on the original amount of the loan and are determined based on your risk assessment.

Retail Store Funding Solutions

Our friendly, expert Funding Advisors will work with you to determine which funding option will help you achieve your goals without compromising your retail store’s cash flow.

How To Use Retailer Funding

There are no restrictions on how you can use retail store funding from Greenbox Capital. Retailer funding is typically best used for supporting growth initiatives that will increase your retail store’s revenue, such as:

  • Expanding to a new location or renovating your existing location
  • Creating a website to sell your products online
  • Stocking up on inventory ahead of a seasonal or holiday rush
  • Purchasing inventory in bulk at a lower price
  • Boosting your advertising by embracing multi-channel marketing
  • Creating a loyalty program such as personalized discounts
  • Investing in developing sustainable packaging
  • Offering experiential events in your space or sponsoring community events
  • Upgrading your point-of-sale technology

Alternative retailer funding can also help when you need a quick influx of working capital to meet the unique challenges of running a retail store, such as:

  • Seasonal demand
  • Growth of online retail threatening small retail outlets
  • High staff and customer turnover
  • Tough competition from other retailers
  • Changes in consumer behavior and preferences
  • COVID-19

How Retail Store Funding Works

  • 1
    Apply

    Gather 3 months of bank statements and other records. For faster approval, grant us secure access to your bank account’s transactional data.

  • 2
    Choose Funding

    A Funding Advisor will reach out to you within 1 hour (during regular business hours) to complete your application & discuss your funding options.

  • 3
    Get Funded

    Once you and your Funding Advisor determine what funding option works for your business, your funds can be approved and deposited within 24 hours.

  • 4
    Set Repayment

    Payments will be automatically deducted from your business’s daily or weekly debit and credit card sales. Payment amounts will be based on your sales.

Will You Qualify for Retailer Funding?

Exact qualification requirements depend on the type of retail store funding you are seeking. Approval for retailer funding from Greenbox Capital isn’t based solely on your credit score or financial history. Instead, we focus on the overall health of your retail store, including:

  • Business revenue
  • Cash flow
  • Vendor payment history
  • Years in business
  • Public records

Retailer Funding Q&A

How do I get funding for a retail store?

You can get funding for a retail store from traditional lenders like the SBA or a bank, as well as from alternative lenders like Greenbox Capital. Alternative lenders have more flexible approval requirements that consider the overall health and potential of your business—not just your credit score—and offer revenue-based financing options that are more ideal for businesses with lower credit scores, such as merchant cash advances for low credit. Contact one of our Funding Advisors to learn more.

What do I need to do to qualify for a small business loan?

We have a very simple application process, with same day funding available. To get started, fill out our one-page application form or speak with a Funding Advisor.

Why should I consider an alternative lender for my retail store funding?

Most traditional banks consider retail stores to be high-risk and will not fund them. As an alternative lender, we have different approval requirements, and can approve funding for “high risk” industries. We can provide you with the funds you need to cover project expenses, labour, materials and more, often in less than 24 hours.