Retail Business Loans — Inventory, Expansion, and Cash Flow
Black Friday is in 90 days. Your inventory supplier requires payment in 30. That gap shouldn't be the reason you miss your biggest season. We fund retail businesses fast. $5K–$500K.
Common Uses
What Retail Businesses Use This Money For
Retail is timing. The right inventory at the right moment wins the season. Here's how our retail borrowers invest capital.
Seasonal Inventory
Stock up before Q4, back-to-school, or your peak season. Pay suppliers before the rush hits — capture full-margin sales.
eCommerce Infrastructure
Shopify upgrades, fulfillment software, warehouse space, ad campaigns. Invest in the infrastructure that scales your online store.
New Location
Open a second store, expand your floor space, or move to a higher-traffic location. Don't let lease deposits and build-out hold you back.
Marketing & Advertising
Run paid social campaigns, fund influencer partnerships, execute local promotions. Revenue from ads is often faster than bank approval.
POS & Technology
Upgrade to a modern POS system, add RFID inventory tracking, launch a loyalty app. Better tech means better margins.
Staffing for Peak Season
Hire temporary holiday staff before the revenue arrives. Cover the training and payroll costs before Q4 sales peak.
Best Loan Types for Retail Businesses
| Loan Type | Amount | Speed | Best For |
|---|---|---|---|
| Merchant Cash Advance | $5K–$500K | 1–24 hrs | Fast inventory buys, repays as % of card sales |
| Business Line of Credit | $10K–$250K | 24–48 hrs | Ongoing inventory management, seasonal flexibility |
| Inventory Financing | $10K–$500K | 2–5 days | Use inventory as collateral for pre-season stock |
| Term Loan | $25K–$500K | 2–7 days | New location, renovation, larger one-time investments |
What Business Owners Say
Real Businesses. Real Funding.
"I applied at 9am. By noon I had three offers in my inbox. By 2pm the money was in my account. I didn't believe it was real until I saw the deposit."
"After three banks turned me down, I figured I was out of options. 1 Hour Lending matched me with a lender who actually understood my industry. Got $85K in equipment financing."
"My credit score was 562. I thought that was a deal-breaker. The marketplace found me a lender who looked at my revenue instead. $40K working capital in 24 hours."
Ready to See What You Qualify For?
One 5-minute application. 75+ lenders competing for your business. No hard credit pull. Most businesses get matched same day.
No hard credit pull · Free to use · Funding from $5K to $5M