Inventory purchases
Stock finance can describe several structures. Compare the facility with supplier lead times, expected sales and the risk of unsold inventory.
Explore this option →FINANCE FOR YOUR SECTOR
Retail Business Loans & Finance
Stock, shop improvements and seasonal staffing can absorb cash before sales arrive. Explore finance for your retail business, distinct from consumer finance offered to shoppers.
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Fund stock with the selling season in view
Retail funding should reflect gross margin and cash left after returns, wages, rent and tax. Buying more stock does not help if it sells too slowly or needs heavy discounting. Plan delivery dates and supplier payments against a realistic selling period. For a store refit or new location, budget for disruption and the time needed to establish footfall.
Card sales
Merchant cash advances may suit businesses with regular eligible card receipts. The collection percentage is not an interest rate; compare total repayment.
Explore this option →Shop improvements
Business loans may support a defined fit-out or expansion. Consider equipment finance separately for eligible identifiable assets.
Explore this option →Information to prepare
Prepare trading figures, card statements where relevant, stock records, supplier quotes and a seasonal forecast. Include online returns and marketplace settlement delays if you also sell through e-commerce channels. Show how repayments would be covered after the peak season.
Your questions answered
Is this buy-now-pay-later finance for my customers?
No. This page covers funding for the retail business itself. Consumer point-of-sale finance has a different purpose, provider relationship and set of requirements.
Discuss your retail funding requirement
Tell us what you need to fund, when you need it and how you plan to repay. Availability and terms depend on the provider’s assessment.
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Finance is subject to eligibility, status and lender terms. Security or a personal guarantee may be required.