Best retail business loans: Up to $600,000 in financing

Get retail business loans deposited in as little as 4 hours. Stock up, staff up, and scale up easily!

Secure the retail business loan you need to restock, hire, and expand

Access funds in as little as 4 hours

Get pre-qualified in minutes, approved in as fast as 2 hours, and have funds ready the next day to cover inventory, payroll, or marketing.

Retail financing that feels right

Use a business line of credit or long-term small business retail loan to smooth cash flow, purchase equipment, or expand your marketing reach.

Break free from bad credit barriers

Our application process considers the overall health of your business so you can get financing even when banks say no.

See how Credibly’s retail financing helps businesses thrive

“Very great customer service and professional experience. Have worked with them on many terms. Always satisfied.”

Financing and loans for retail business: Up to $600,000 in funding

Eliminate the worries of meeting cash flow needs

Cover day-to-day cash flow needs, restock inventory, pay staff, or invest in digital marketing with flexible financing for retailers.

Easy application process

Skip the paperwork stress and get guided support every step of the way.

Fast funding for any need

Move seamlessly past cash flow crunches with a financing option that lets you remit what you can afford.

Use it where it counts

Get the capital you need to grow

Reward your financial stability with longer repayment terms and lower interest rates built to support your next move.

Helping you take the next step

Expand your space, upgrade equipment, or grow your team. Your loan, your call.

Smart equipment financing for retail businesses

Stay competitive with fast access to the equipment you need to scale.

Why retailers love this option

Pros and cons of financing and loans for retail business

Fast, flexible, friendly–but is financing right for you?

Pros

Cons

Even more financing for retail business

Business line of credit

Draw as much as you want, when you want to.

Equipment financing

Get the equipment you need to run your business smoothly

All financing options

Check out all our financing options for retail businesses.

Retail business financing that doesn’t play small

$2.5 billion funded. 50,000+ businesses backed.

We’re not new to this, and our 4.8/5 Trustpilot rating proves it.

Big or small, we’ve got you covered

Running a corner shop or scaling a multi-location brand? Whether it’s keeping the lights on or launching your next storefront, our retail business loans move at your speed.
Let’s talk funding that actually fuels growth!

Fast and simple business loan for retail stores

Get the funds you need while avoiding all the traditional roadblocks of financing.

The financing your business needs

Tailored financing that meets your specific needs, allowing you to grow, not owe.

White-glove customer service

Enjoy the support of U.S.-based financing experts who understand your needs and priorities.

Trusted small business partner

Receive clear answers and advice from a team that wants you to succeed.

How to get business loans for retail with Credibly

Pre-qualify online

Hit “Get Started” to apply for a working capital business loan. It’s fast, simple, and won’t affect your credit score.

Gather required documents

Be ready with the documents we need for approval. Start with recent bank statements and a government-issued ID.

Approval in as little as 4 hours

Your loan application will be reviewed, and you can get approved in as fast as 4 hours.

Receive same-day funding

Once approved, your loan amount can be transferred to your bank account on the same business day.

FAQs about loans for retail shops

Most of our financing options give you full control. Use the funds where your business needs them most.

Whether it’s covering payroll, stocking inventory, or launching a new location, it’s your call. Equipment financing? That’s purpose-built for gear upgrades and tech investments.

We’re not the big banks, and we don’t play by their rules. Your credit score isn’t the whole story.

We look at your business’s overall health, and that’s why our approval rate is nearly double what the banks offer.

Start with our quick online form. It takes just minutes. From there, you’ll see which financing options you qualify for and connect with a real expert who’ll walk you through the process.

*Some products are made available through Credibly’s network of external funding partners.