Merchant Fund Express
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Expansion Funding for Clothing Stores

Open a second shop, grow the floor or build your online store. 5-minute application, soft credit pull, funding in as little as 24 hours if qualified.

Fund My Expansion

Clothing store growth funding

Turn a busy store into a bigger business

When your current store is working, growth is the next step. We help clothing retailers fund locations, remodels and online growth from the strength of their deposits.

As fast as
24 hours

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.

Growth capital without a stack of paperwork

Fast and lean

About three months of bank statements, 5-minute application. Funding in as little as 24 hours for qualified stores.

Credit flexibility

FICO 500 and up considered. We focus on how your store performs today.

Costs on the table

Your offer shows the full repayment amount before you accept. No surprise costs after signing.

Repayment you can plan

The schedule is laid out in the offer, so you can forecast it against both stores.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Growing a clothing store takes cash up front

Expansion in apparel retail usually means spending before you earn. A second location needs a lease deposit, build-out, fixtures and opening inventory weeks before the first sale. Expanding the current store means downtime and contractor bills. Growing online needs photography, a better site and stock set aside for shipping. Good growth plans stall when all of that has to come out of this month's sales.

Expansion projects we see from clothing retailers

A second storefront

Security deposit, build-out, signage, fixtures and opening stock.

A bigger or better floor

Taking over the unit next door, adding fitting rooms, or refreshing displays and lighting.

E-commerce growth

Product photography, a new platform, packaging and dedicated online inventory.

New lines or a pop-up

Launching a men's, kids' or plus-size section, or testing a seasonal pop-up in a busy area.

What we need to review

We built our process for established businesses with steady deposits. Plan on about three months of business bank statements and a 5-minute application. No tax returns are required, a soft credit pull gets things started, and FICO 500 and up is considered. Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations, not on projections for the new location.

Products that fit an expansion

Fixtures, POS hardware and display systems can fit equipment financing. For build-out, deposits and opening inventory, working capital gives you a lump sum to work with. A business line of credit helps when costs land in stages over several months. Every offer shows the full repayment amount and schedule before you accept.

Pressure-test the plan

Before you sign a lease, ask how long the new location could run below target while your current store carries repayment. Keep the existing store strong; it is what makes the expansion fundable. For illustration, an owner opening a second shop might budget $45,000 for build-out and fixtures plus $55,000 for opening inventory, and request around $100,000 rather than stretching for more.

Frequently Asked Questions

Can I get expansion funding for a location that is not open yet?

Funding is based on your current business deposits and obligations, and the money can go toward the new location.

Do I need a business plan or tax returns?

No tax returns are required. We work from about three months of business bank statements and a short application.

How much can I request for expansion?

Between $25,000 and $5,000,000, sized mainly by deposits and existing obligations.

Can I combine equipment and working capital?

Yes. Some owners use equipment financing for fixtures and working capital for inventory and build-out.

How fast can funding arrive?

Qualified businesses can be funded in as little as 24 hours.

Should I wait until the new location is open to apply?

Usually not. Most expansion costs, like deposits, build-out and opening inventory, land before the doors open. Applying while the current store's deposits are strong gives funders a clear picture and gives you time to compare offers before you commit.

Lease deposit $20,000.00
Store fixtures $35,000.00
Opening stock $55,000.00
Online launch $15,000.00

Example uses for illustration only.

How to improve your chances

Strong expansion requests usually start with these basics.

  • Keep the current store's deposits steady and consistent
  • Get written build-out and fixture quotes
  • Plan opening inventory by size and category
  • Set a ramp-up budget for the new location's first months

Expansion funding: Merchant Fund Express vs. a bank

Merchant Fund Express
Traditional bank loans
Application
5 minutes
Formal loan package
Documents
About 3 months of statements
Tax returns, projections
Credit
FICO 500+ considered
Strong credit expected
Timeline
As little as 24 hours if qualified
Often weeks or longer
First credit check
Soft pull
Hard pull common

Take your clothing store to the next level

One secure application. A soft credit pull to start. No obligation to accept an offer.

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