Business Loans for Retail
Retail businesses need capital for inventory, store buildouts, e-commerce, and seasonal preparation. Revenue-based lending provides funding that flexes with your sales cycles.
Funding Range
Funding Speed
FICO (MCA)
Retail Funding Challenges
- Seasonal inventory demands
- E-commerce investment needs
- Store renovation and expansion
- Cash flow between buying seasons
How Retail Businesses Use Funding
- Inventory purchasing
- Store buildout and renovation
- E-commerce platform development
- Marketing and advertising
Revenue-Based Lending for Retail
Unlike traditional bank loans with rigid monthly payments, our revenue-based business loans align repayment with your actual business performance. When revenue is strong, you pay more. During slower periods, payments automatically decrease. This flexibility is designed specifically for retail businesses that experience variable cash flow.
No Fixed Payments
Repay as % of revenue
All Industries
We fund every sector
Fast Funding
Same-day to 3 days
Loan Options for Retail Businesses
Small Business Loans
No prepayment penalty. Refinance up to 2 existing loans. FICO 580+, 1–2 years in business required. Funding in 1–3 days.*
$10K – $10M | 1–3 day funding
Business Line of Credit
Revolving credit — pay only for what you use. Secured up to $100M, unsecured up to $750K. FICO 600–650+, 1 year in business. Same-day funding available.*
$10K – $5M | Revolving
Equipment Financing
100% financing available for fleets, manufacturing, and trade equipment. FICO 550+, 1 year in business. Rates from 6–7%.*
$10K – $5M | Up to 5 years
SBA Loans (7(a), 504)
Government-backed with rates at Prime + 1–2.75%. FICO 660+, 2 years in business required. Funding in 4–10 weeks.†
$50K – $5M | Up to 25 years
Merchant Cash Advances / Business Advance
No minimum FICO required. Repaid via sales with early payoff discounts. $500K annual sales or $40K monthly deposits. Same-day funding available.*
$10K – $10M | Same-day funding
Commercial Real Estate Loans
Finance purchase, renovation, or construction of commercial properties. FICO 620+ required. Long-term stability for your operations.‡
$100K – $5M | Up to 25 years
Retail Business Loan FAQ
Can I get inventory financing for my retail store?
Yes. Inventory lines of credit from $100K to $10M let you borrow up to 85% of inventory value. For smaller needs, business lines of credit from $10K to $5M provide revolving access to capital.
Do you fund e-commerce businesses?
Absolutely. Online retailers, DTC brands, and omnichannel businesses all qualify. Revenue-based loans work especially well for e-commerce with repayment tied to your sales volume.
Does Manu provide revenue-based loans to all industries?
Yes. We provide revenue-based business loans to all industries including retail, manufacturing, construction, healthcare, retail, technology, and more. Our network of 75+ lenders serves every business sector with funding from $10K to $10M+.
Business Loans by Industry
We provide revenue-based business loans to all industries.
Business Loans by State
Ready to Fund Your Retail Business?
Pre-qualify in minutes with no impact to your credit score. Revenue-based loans available for all retail businesses.
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