Inventory ties up cash; your team still needs paychecks. Apply in 5 minutes and get funded in as little as 24 hours if you qualify.
Cover Payroll NowClothing store payroll funding
Apparel retail runs on seasonal buys. We help clothing stores keep payroll steady while merchandise sells through.
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.
A 5-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified stores.
FICO 500 and up considered. Your store's sales deposits matter most.
Your offer shows the full repayment amount before you accept. Nothing new appears after you sign.
The repayment schedule is spelled out in the offer, so you can line it up with your sales calendar.
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.
Clothing stores pay for merchandise long before it sells. You place orders for the next season, the boxes arrive, and the cash sits on hangers until shoppers come in. Meanwhile your sales associates, stock team and store manager still get paid every week or two. That timing gap is where payroll stress comes from, not a lack of sales.
Payroll funding gives you a cushion so staff get paid on schedule while inventory turns into revenue.
None of these mean the store is in trouble. They mean money is in the wrong place for a couple of weeks.
We consider FICO scores of 500 and up, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, sized mainly by your deposits and existing obligations.
For a one-time crunch, working capital is the simplest fit. If payroll gets tight every season, a business line of credit lets you draw only when you need it. Stores with heavy card volume sometimes look at a merchant cash advance or revenue-based financing, where repayment is tied to sales. Our comparison page walks through the tradeoffs.
Add up the payroll runs you need to cover until your next strong sales stretch, then add a small buffer. Borrowing far beyond that just adds cost. For illustration, a boutique with a weekly payroll of $9,000 facing a four-week slow stretch might look at something near $40,000, not $150,000.
You can use the money for payroll, payroll taxes or any other operating cost that keeps the store running.
A short application and about three months of business bank statements. No tax returns.
We consider FICO 500 and up. Deposits and existing obligations carry a lot of weight in the review.
Qualified businesses can be funded in as little as 24 hours after approval.
Yes. Your offer lists the full repayment amount and schedule before you accept, with no surprise costs after you sign.
It works best for a temporary timing gap. If payroll is short every month, look at staffing, pricing and buying first. If the gap is seasonal and predictable, a business line of credit may cost less than repeated lump sums because you draw only what you need.
Example uses for illustration only.
A few steps can make payroll smoother between seasons.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding