Retailer Funding & Working Capital Loans

Retailer Funding

Retail sales hit a record high of $6 trillion in 2018, with SMB retailers processing an average of 428 transactions for month. Help your retail business keep up with demand with up to $500,000 in funding from Greenbox Capital® in a fast as 24 hours.

Direct, Quick Retailer Loans

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

As an alternative lender, Greenbox Capital can approve more retailer working capital loans 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 quick retailer loans from as low as $3,000 up to $500,000.

Retailer Funding Solutions

We fund all types of retail business, including salons and spas, specialty stores, clothing stores, convenience stores, and more. Our friendly, expert Funding Advisors will work closely with you to determine which funding option will help you achieve your goals without compromising your cash flow.

Merchant Cash Advance

You’ll receive working capital now, and we’ll receive a percentage of your daily or weekly credit card sales until the terms of the advance have been met. Ideal for businesses with a high volume of credit card sales.

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Small Business Loan

Our business capital loans are typically between $20,000 and $60,000, but start as low as $3,000 and reach as high as $500,000 depending on the needs of your business. Ideal for businesses seeking short-term financing to grow.

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Collateral Loan

A secured loan that uses commercial real estate to reduce the cost of the loan. Ideal for businesses looking for longer-term funding options.

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Business Line of Credit

Borrow as much or as little as you need, draw and repay as you go, and pay interest only on the portion of money you borrow. Ideal for businesses looking for flexible funding.

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How To Use Retailer Funding

A retail business loan can provide the working capital you need to meet the unique challenges of running a retail business, such as:

Seasonality—some estimates suggest that roughly 20% of retail sales occur during the holiday season
Growth of online retail threatening small retail outlets
High staff and customer turnover
Changes in consumer behavior—consumers are prioritizing events and experiences over consumer goods

An influx of working capital can also provide the cash flow you need to improve or expand your retail business. Use your funding to:

Expand to a new location
Renovate your existing location to create a more welcoming environment
Create a website to sell your products online
Stock up on inventory ahead of a seasonal or holiday rush, or purchase inventory in bulk at a lower price
Create a loyalty program that encourages repeat purchases, such as personalized discounts based on past purchases
Offer experiential events in your space, or sponsor events in your community
Upgrade your point-of-sale technology
Boost your retail business’s marketing and advertising

How Retailer Funding Works

Submit your 1-page application
After you submit your application, a Funding Advisor will reach out to you within 1 hour (during regular business hours) to discuss your options.
Choose your funding
Your Funding Advisor will work closely with you to determine which small business funding option will help you achieve your goals without compromising cash flow.
Get funded
Once you and your Funding Advisor determine what funding option will work best for your business, your funding can be approved and deposited within 24 hours.
Repay your funding
Repayment terms will depend on what kind of retail business working capital loan you use. Terms are set in advance so you know what to expect and can plan accordingly.

Will You Qualify?

Approval for quick retailer loans from Greenbox Capital isn’t based on your credit score alone. Instead, we focus on the overall health of your business. Here are some factors we consider:

Business revenue
Cash flow
Vendor payment history

Years in business
Public records

Why Get Funded by Greenbox Capital?

At Greenbox Capital, we know retail business owners don’t always have time to compile a year’s worth of detailed financial documentation. Opportunities to purchase inventory or expand or improve your retail business can disappear quickly while you navigate the long process of getting funding from a traditional lender, all with no guarantee of approval. With our fast, streamlined approval process, you’re more likely to be approved, and you can get the working capital you need in as little as one business day.

We are proud to provide responsible retail business working capital loans. We’ll never over-leverage your business by giving you more funding than you can handle, and if you have any questions throughout the process, our Funding Advisors will be standing by to help. Your success is what matters to us most.

Retail Businesses Funding Q&A

Q: I am ready to bring my brick-and-mortar store into the world of online shopping and need to invest in an online store. Can I use a working capital loan for this purpose?

A: Yes, retail businesses often use their funding to develop an online store. This is a common expansion strategy for many retailers, allowing you to reach a larger market and to grow your business.

Q: I’m stocking up on inventory for the holiday season. What type of retail business funding should I consider?

A: There are several funding options that could work for you depending on your unique circumstances, such as a small business loan, merchant cash advance or collateral loan. It’s always recommended that you speak with one of our funding advisors to determine the best option.