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Retail Financing
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Receive up to $1,000,000 in fundingContact our team if you need $1,000,000+ funding
Contact our team if you need $1,000,000+ funding
We understand the retail business is all about staying competitive and growing steadily. Whether you’re upgrading your inventory, managing seasonal fluctuations, or expanding your store footprint, we’ve got funding options to help you succeed. Use your funds to:
- Stock up on premium inventory.
- Smooth out cash flow during slower months.
- Open new store locations.
- Cover operational expenses effortlessly.
We’re here to help you build a thriving, successful retail business.
Types of Retail Financing Solutions
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Line of Credit
A retail line of credit provides ongoing access to funds, allowing you to withdraw as needed up to a predetermined limit. This flexibility is ideal for managing cash flow, restocking inventory, or covering seasonal expenses.
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Inventory Financing
Inventory financing helps you purchase or restock essential retail products without straining your cash flow. This type of financing is often secured by the inventory itself, allowing you to keep your store fully stocked without large upfront costs.
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Debt Financing
Debt financing allows your retail business to borrow a fixed sum, which is repaid over time with interest. This option is suitable for larger projects, such as store renovations, adding new locations, or funding a major promotional campaign.
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Revenue-Based Financing
Revenue-based financing is tailored for retail businesses with fluctuating sales. You repay the loan as a percentage of your monthly revenue, enabling you to manage payments more easily during slower months or off-seasons.
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SBA Loans for Retail Businesses
SBA loans, backed by the Small Business Administration, provide favorable terms and lower interest rates. These loans are ideal for retail businesses looking to expand, invest in new inventory, or improve existing storefronts.
Perfect Funding Fit
Frequently Asked Questions About Retail Financing
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What is retail financing?
Retail financing provides retail business owners with the capital they need to start, maintain, or grow their business. It covers everything from purchasing inventory and upgrading storefronts to expanding to new locations.
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What is a retail business loan?
A retail business loan provides specific funding to meet the operational needs of retail stores, such as inventory purchases, employee hiring, and facility improvements. These loans are designed to keep your business competitive and prepared for customer demand.
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What is retail customer finance?
Retail customer finance provides customers with flexible payment options to purchase products or services, such as installment plans, promotional financing (e.g., 0% interest), or credit lines. These options are offered directly by retailers or through third-party lenders, enabling immediate purchases with deferred payments.
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Is it difficult to secure retail financing for a business?
Securing retail financing can be challenging due to fluctuating revenues and the competitive nature of the industry. Lenders look for consistent financials and a solid business plan, but Capixa offers financing options tailored to the retail sector, even for seasonal businesses.
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Can I get financing to open a new retail store location?
Yes, financing is available for expanding retail businesses. These funds can be used to open new locations, purchase inventory, and establish a customer base.
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What credit score is required for retail financing?
Generally, a credit score of 650 or higher is preferred, though financing may still be available for those with lower scores, depending on other financial factors.
Perfect Funding Fit