Inventory financing, merchant cash advances on card sales, and lines of credit for seasonal buying.
Check my optionsRetail
Retail stores need financing for inventory, store improvements, point-of-sale and technology, and the cash gap between buying stock and selling it. Matching each need to the right product keeps payments aligned with how retail cash actually flows.
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.
Existing balances of $100,000 or less can be bought out.
Net cash, total payback and payment shown before you sign.
Your file goes to funders that fit it, so offers can be compared.
A person reviews your revenue, time in business and bank activity, often within hours.
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.
Inventory is the core retail need. Seasonal buys, new product lines and volume discounts all require cash months before the sales arrive. A business line of credit drawn before the season and repaid as goods sell is ideal for retailers who qualify. Revenue-based funding, sized on card and bank deposits, can fund a specific purchase quickly; MFE considers credit from 500 for these options.
Store improvements, such as new fixtures, lighting, signage or a remodel, have longer payback periods and fit term loans or equipment financing better than short-term capital. Point-of-sale systems, inventory management software and security equipment can often be financed or leased through the vendor or an equipment lender.
Retail underwriting looks at deposit consistency, seasonality and inventory health. Funders reviewing revenue-based applications will see your card settlements and sales patterns. Banks may also ask for inventory reports and financial statements. A store whose inventory turns slowly or carries a lot of old stock will find it harder to justify more inventory funding.
Plan for the post-season. Retail revenue often drops sharply after the holidays or the main season. Payments should be sized for those months, or structured as a percentage of sales that shrinks with revenue. Early-payoff discounts at 30, 60 or 90 days, offered on some agreements, can reward paying down from peak-season sales.
Compare offers through one application at MFE, which reaches multiple funders familiar with retail cash cycles.
Shrinkage and returns affect retail cash too. Theft, damaged goods and high return rates reduce the cash an inventory purchase actually produces. Tracking shrinkage by category and tightening return policies where appropriate improve the payback on funded inventory.
Here is an inventory offer for a retail store ahead of its season. Illustrative numbers.
| Amount funded | $125,000 |
| Factor rate | 1.40 |
| Total payback (amount × factor) | $175,000 |
| Fees deducted at funding (4%) | $5,000 |
| Net cash you receive | $120,000 |
| Weekly payment over 40 weeks | $4,375 |
| Same total as daily debits (~200 business days) | $875/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Seasonal inventory | Line of credit or revenue-based funding |
| Store remodel or fixtures | Term loan or equipment financing |
| POS and inventory software | Vendor or equipment financing |
| Post-season gap | Reserve or line of credit |
| Existing advance pressure | Buyout or structured second position |
Good fit:
Probably not yet:
Lines of credit or revenue-based funding for inventory, term or equipment loans for improvements.
Revenue-based options consider scores from 500.
Deposit consistency, seasonality and inventory health.
Usually not; longer-term financing fits better.
Size payments for slower months or use percentage-of-sales payments.
Some agreements offer discounts at 30, 60 or 90 days.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding