Retail store financing
Get $5,000 to $10 million to stock inventory, renovate your store, cover payroll through slow seasons or prepare for peak demand, funded in as little as 24 hours.
- No collateral required
- Same-day decisions
- No hard credit pull
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
Retail financing options at a glance.
Stores buy stock months ahead and earn the money back as it sells. The right option depends on what you’re buying and when it will sell.
Small Business Term Loans
- Best for
- A store renovation, new fixtures or a deeper buy for your busiest season
- Repayment term
- 6 to 48 months
- Min. credit score
- 500+
Business Line of Credit
- Best for
- Restocking bestsellers and seasonal payroll, drawn only when you need it
- Repayment term
- Revolving: repay and draw again
- Min. credit score
- 500+
Equipment Financing
- Best for
- Point-of-sale systems, display cases, coolers and shelving
- Repayment term
- 2 to 5 years
- Min. credit score
- 500+
Working Capital
- Best for
- Holiday stock bought in late summer, before the season’s sales arrive
- Repayment term
- 3 to 24 months
- Min. credit score
- 500+
Bridge Capital
- Best for
- Buying a second store or your building while longer financing closes
- Repayment term
- Weeks to months
- Min. credit score
- 500+
How retail financing works.
Retail sales follow the seasons. You buy for a season months before it starts, pay your vendors on their terms, and earn the money back as the stock sells. Financing lets you buy when you need to and in the amounts you need.
You apply online in minutes. Our team reviews your application and brings you the options that fit your store. We look at your revenue, deposits and time in business, not just your credit score, and daily card sales show your sales month by month.
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Choosing the right option. Stock you’ll sell within months suits working capital or a line of credit. Fixtures and coolers you’ll use for years suit equipment financing or a term loan. Buying a second store or your building while a longer loan is arranged suits bridge capital.
What we look at. Your recent deposits, your time in business and your credit. If most of your sales come in one season, tell us; it explains a quieter stretch on your statements.
What it costs. Prices vary by lender and by business. Compare offers by what you’ll receive, each payment and the total you’ll repay, in dollars, against the margin on the stock it buys.
See how we stack up.
| Traditional Bank | Typical Online Lender | ||
|---|---|---|---|
| Decision speed | Same-day | 2-8 weeks | 1-3 days |
| Credit check | Soft pull only | Hard inquiry | Often a hard pull |
| Min. credit score | 500+ | 680+ | Varies |
| How they decide | Revenue + 50 factors, human review | Tax returns, financials | Algorithm only |
| Who you work with | One dedicated advisor | Loan committee | Call center or portal |
| Collateral | None required | Often required | Sometimes |
| Funding range | $5K-$10M | $50K+ minimum | Varies |
| Apply NowApplying won’t affect your credit score. |
Retail financing for every situation.
A strong retail year depends on buying the right stock at the right time.
Buying for the busy season
Vendors want orders placed months ahead. Working capital pays for the stock now, and the season’s sales pay it back.
A vendor’s best price
Closeouts and volume deals sell out quickly. A line of credit lets you buy right away without emptying your account.
A storefront on a busier street just came up for lease. A term loan, or bridge capital while longer financing closes, covers the fit-out, the first order and the opening staff.
What store owners use financing for.
Inventory for the busy season
Bought early and in depth, so bestsellers stay on the shelf through the rush.
Seasonal staff
Hired and trained well ahead of the holidays.
A store renovation
New fixtures, lighting and layout that make the floor easier to shop.
Point of sale and online
Card readers, inventory systems and the online store that runs beside the shop.
Marketing and promotions
Seasonal campaigns, events and the launch of a new line.
A second shop
The fit-out, deposits and opening stock for the next location.
All you need to qualify.
We look at more than your credit score, including your revenue history, deposit consistency and time in business. A store with strong cash flow may qualify even with imperfect credit.
- No collateral
- No hard credit pull
- No upfront fees
- 500+
- Minimum credit score
- 6+months
- In business
- $150K+
- Yearly revenue
- 4months
- Of bank statements
Three steps to your funding.
- 1
Apply online
Fill in our short application in a few minutes. A few basics about your business and what you need, with no stack of paperwork to get started.
- 2
Get your options
Our team reviews your application and brings you the options that fit your business. We look at revenue, deposits and time in business, not only your credit score.
- 3
Receive your funds
Once you’re approved and the documents are signed, the funds can be in your business bank account in as little as 24 hours.
Frequently asked questions.
Is Noya Funding a lender?
Noya Funding is a business funding broker. We work with a wide network of lenders: our team reviews your application, matches you with the options that fit your business and stays with you through funding.
Does applying affect my credit score?
No. There’s no hard credit pull to apply, so applying won’t affect your credit score.
How do you look at a store’s cash flow?
Through your business bank statements. Daily card sales show retail revenue clearly, and the swing between seasons shows up plainly. Seasonal swings are normal in retail, and we look at the whole pattern.
Most of our sales come in the fourth quarter. When should we apply?
Early enough that the money is in place before your orders are due. Working capital and lines of credit pay for holiday stock bought in late summer.
Can I finance shelving, coolers or a point-of-sale system?
Yes. Equipment financing covers fixtures, refrigeration and checkout systems, new or used, up to 90% of their value, with the equipment itself as collateral. You’ll need a quote from the seller.
How much can a retail business get?
From $5,000 to $10 million. The amount rests on your monthly revenue, your time in business and your credit, and on what the money is for: equipment financing covers up to 90% of the equipment’s value.
Which states do you work in?
Every state except Texas, Virginia, Connecticut and Missouri, where we can’t take requests yet.
Ready to get funded?
Apply online in minutes. No collateral, no hard credit pull and no obligation.