Apparel shops pay for next season before this one sells through. See how boutiques manage the timing, and how fast funding can help.
Check My OptionsClothing Store Cash Flow
Capital based on your deposits can cover pre-season buys, holiday inventory and store upgrades while sales catch up.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Five-minute application and about three months of statements. Funding in as little as 24 hours for qualified stores.
FICO 500+ considered with a soft credit pull to start. Store deposits lead the review.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is spelled out in your offer, so you can plan around buying seasons.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Apparel retail runs ahead of the calendar. Spring orders are placed in winter, fall and holiday buys are committed in summer, and vendors often want deposits or payment well before the racks fill. If last season's inventory has not sold through, cash is tied up on the floor while the next shipment is already on its way.
That is why clothing store cash flow is mostly about inventory: how much you buy, when you pay for it and how fast it turns.
| Stage | Cash effect |
|---|---|
| Pre-season buying | Deposits and invoices go out |
| Delivery and display | Inventory on the floor, not yet sold |
| Full-price selling | Strongest margin, cash comes in |
| Markdowns | Cash recovered at lower margin |
| Leftover stock | Cash stuck until cleared |
Funding makes sense for inventory you are confident will sell, a holiday buy, a store refresh or a second location. Our page on inventory funding for clothing stores goes deeper on seasonal buying. Be cautious about borrowing to rebuy categories that are not selling.
We offer merchant cash advances, working capital, a business line of credit, equipment financing and revenue-based financing, from $25,000 to $5,000,000.
Before placing a seasonal order, compare what is still on the floor, what is already on order and what you realistically expect to sell. The difference is your open-to-buy. Staying inside that number keeps cash from piling up in stock you will later have to mark down, and makes any funding you take on easier to repay from sales.
The application takes about five minutes. We review roughly three months of business bank statements, start with a soft credit pull, consider FICO 500+ and do not require tax returns. Sole proprietors can apply. Every offer shows the full repayment amount and repayment schedule before you accept. See your options.
Yes. Working capital and lines of credit are commonly used for pre-season and holiday inventory.
We review about three months of deposits together, and seasonal dips are normal for apparel retail.
No. About three months of business bank statements and a five-minute application.
Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.
Funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
These habits help a clothing store turn inventory faster and present stronger deposits.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding