Industry funding
Stock the shelves before the rush.
Retail lives and dies by inventory timing. We fund the buy-in ahead of your busy season and the expansion that follows — with repayment that tracks your sales.
The funding challenges retailers face.
Retailers must buy inventory months ahead of the sales that pay for it, while juggling seasonal swings and tight margins.
Inventory ahead of sales
Holiday and seasonal stock must be purchased and paid for long before it sells through.
Sharp seasonal peaks
A huge share of annual revenue can land in a few weeks, straining the cash that funds it.
Expansion capital
New locations, fixtures, and build-outs require investment ahead of returns.
Card-heavy revenue
Most sales run through cards, which both enables and complicates traditional financing.
Funding solutions for retailers.
A cash advance or line funds seasonal inventory; term capital funds the next store.
Retail by the numbers.
Common ways retailers put capital to work
- Buying seasonal inventory ahead of peak demand
- Opening a new location or pop-up
- Upgrading fixtures, displays, and POS systems
- Funding a marketing campaign around a launch
Testimonial
We use our Meridian advance every fall to load up for the holidays. Repayment scales with sales, so a slow January never feels like a cliff. It's funding that finally fits retail.
Founder, North Loop Mercantile
Do you qualify?
Most retailers that meet these baselines can get funded. If you're close, apply anyway — we read the whole business.
- 6+ months in business under current ownership
- $15,000+ in average monthly revenue
- 500+ personal credit score
- A U.S.-based business with an active business bank account
Built for retailers
Be stocked and ready.
Apply in five minutes and get matched with an advisor who understands retail cycles.