Get a lump sum for seasonal inventory, closeout buys or store updates, repaid from future sales. Apply in about 5 minutes.
Get My AdvanceClothing Store Cash Advance
Apparel retailers pay for inventory months ahead of the sale. A merchant cash advance lets your sales history help fund the next buy.
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.
Three months of bank statements and a 5-minute application. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ is considered. Your sales deposits count for a lot in our review.
Your offer shows the total repayment amount before you accept, with no surprise costs after you sign.
How and when repayment happens is spelled out in your offer before you commit.
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.
A merchant cash advance gives your store a lump sum now in exchange for a portion of future sales. Repayment comes from the receipts your store generates, so it is closely tied to how the register actually performs. For a clothing store or boutique that runs most sales through cards, that link can feel natural: the business that produces the sales is the business that repays.
Clothing retail runs on timing. You pay for spring inventory in winter. Back-to-school and holiday orders go out long before the first sale. If a vendor offers a closeout lot or an early-order discount, the window can be short. A merchant cash advance can help you:
For inventory specifically, our clothing store inventory funding page goes into more detail.
About three months of business bank statements. We want to see how card and cash deposits come in, how they move through the week and month, and what other obligations are already being paid. No tax returns are required. The application takes about 5 minutes with a soft credit pull to start, and FICO 500+ is considered. Sole proprietors running a single boutique can apply.
Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.
An advance fits best when the money produces sales fairly quickly, like inventory for a known season. If you need ongoing access for repeat gaps, a business line of credit for clothing stores may suit you better. Our comparison of a line of credit vs. a merchant cash advance lays out the differences. For general operating needs, see working capital for clothing stores.
You already know how to read a vendor's line sheet for cost, quantity and delivery date. Read your offer the same way. It shows the full repayment amount and how repayment works before you accept, so you can compare that against the margin you expect from the inventory or project. If the numbers work, apply here.
Repayment comes from your future sales, as described in your offer. The offer shows the full repayment amount and how collections work before you accept.
Yes. We look at deposits in your business bank account, whether sales come from the counter, a website or both.
No. We review about three months of business bank statements.
FICO 500+ is considered, weighed together with your deposits and existing obligations.
Between $25,000 and $5,000,000, depending mainly on deposits and current obligations.
Example uses for illustration only.
Store owners who plan ahead tend to get more from an advance.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding