Fast
Online application in 5 minutes. Funds deposited the next business day on most products — before your next inventory order is due. Learn more about our retail business funding offerings.
Retail Business Funding
Retail Business Funding Retail Business Funding for Shops, Boutiques & E-commerce
Fast, flexible, responsible retail business funding from $5,000 to $5,000,000 — funded in as little as 24 hours, with no hard credit pull to apply. Coast Funding has financed boutiques, multi-location retailers, specialty shops, and online sellers across all 50 states since 2014.
4.8 / 5 on Trustpilot
No Hard Credit Pull
Funded in 24 Hours
Retail Business Funding Last reviewed: May 12, 2026 · Coast Funding Editorial Team
2014
Funding since
50
States served
$1B+
Deployed to operators
412
Verified reviews
Why Coast Funding
Why Retailers Choose Coast for Retail Business Funding
Retailers face funding challenges traditional banks aren't built to solve: thin margins, seasonality, inventory cycles, and the constant pressure to stock before sales. Our team has been financing retail since 2014 and approves retail business loans based on real-world sales — not just credit scores.
Flexible
Six funding products built for retail — from $5K bridge advances to $5M equipment financing for full store build-outs.
Responsible
The only funding partner committed to guiding clients to responsible decisions — not just the biggest check.
Funding Options
Retail Funding Options
Whether you need short-term inventory financing, a revolving line for seasonal swings, or capital to open a second location, we have a program built for it.
Inventory Financing
Retail Inventory Financing
$10,000 – $2,000,000 · 3–18 months
Stock up before peak seasons, take advantage of bulk discounts, or front a large reorder. Approval driven by recent sales, not just credit.
Explore inventory financing →
Working Capital
Retail Working Capital
$5,000 – $2,000,000 · 3–24 months
Cash upfront to bridge slow seasons, cover payroll, restock inventory, or fund a marketing push. Approval driven by recent sales, not just credit.
Explore working capital →
Line of Credit
Retail Line of Credit
$10,000 – $500,000 · Revolving
Only draw what you need and only pay for what you use. Revolving access with monthly rates starting at 2.99% — perfect for seasonal cash flow swings.
Explore lines of credit →
Business Term Loan
Retail Term Loan
$10,000 – $1,000,000 · Up to 5 years
Fixed-term capital for second-location build-outs, remodels, and full retail acquisitions. Predictable monthly payments to grow your footprint.
Explore term loans →
Equipment Financing
Retail Equipment Financing
$10,000 – $5,000,000 · 2–5 years
Finance POS systems, fixtures, shelving, custom millwork, signage, security and surveillance, and full store build-outs with fixed monthly payments.
Explore equipment financing →
Receivables & E-commerce
Receivables & Marketplace Financing
$10,000 – $1,000,000 · Sales-based
Turn marketplace payouts, wholesale receivables, and B2B invoices into cash today. Built for Shopify, Amazon, Etsy, and wholesale-driven retailers.
Apply for e-commerce funding →| Program | Amount | Term | Best For |
|---|---|---|---|
| Inventory Financing | $10K – $2M | 3 – 18 months | Holiday stock-up, bulk buys, reorders |
| Business Line of Credit | $10K – $500K | Revolving | Seasonal cash flow swings, monthly rates from 2.99% |
| Working Capital | $5K – $2M | 3 – 24 months | Rent, payroll, marketing, slow seasons |
| Equipment Financing | $10K – $5M | 2 – 5 years | POS, fixtures, signage, build-outs |
| Business Term Loan | $10K – $1M | Up to 5 years | Second location, expansion, acquisition |
| Receivables Financing | $10K – $1M | Sales-based | Marketplace sellers, wholesale, B2B |
All rates, terms, and amounts are illustrative and subject to underwriting, borrower qualifications, and applicable state regulations. Certain programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720.
Your Funding Roadmap
How to Apply for Retail Funding
Three steps. Five minutes to start. No hard credit pull, no application fees.
Complete the application
5-minute online form plus 4 months of business bank statements (or link via Plaid). No fees, no obligation.
Review your offer
A Business Funding Advisor calls you within hours with pre-qualified offers customized to your cash flow.
Sign and get funded
Funds can be deposited into your business account in as little as 24 hours after the signed agreement.
$10K+
Minimum monthly gross revenue to qualify for most programs
Retail Qualifications
Approved by Sales — Not Just Credit
We approve based on sales performance, time in business, and bank deposit trends — including marketplace settlements — not a credit score in isolation. Here's exactly what underwriting reviews.
Minimum Requirements
- 6+ months in business (3 months for select programs)
- $10,000+ in monthly gross revenue (brick-and-mortar or online)
- U.S.-based business with a business bank account
- Valid government ID and business documentation
What We Review
- Last 4 months of business bank statements
- Daily card-sales and marketplace settlement trends
- Time in business and ownership structure
- Industry risk factors and seasonality
Common Use Cases
What Retailers Use Coast Funding For
From stocking up before Black Friday to opening a second location, our retail clients deploy capital in four recurring patterns.
Stock Up on Inventory
Build-Out a New Store
Second Location
Holiday & Seasonal Pushes
Frequently Asked Questions
Retail Business Funding FAQ
The 10 questions retail owners ask us most.
How do I finance holiday and seasonal retail inventory?
Most retailers use a Business Line of Credit or short-term inventory financing to stock up 60–90 days before Q4 or other peak seasons. You only draw what you need, and revolving lines refresh as you pay them down — perfect for buying turkeys before Black Friday or summer stock in April.
Can I get funding as an e-commerce or marketplace seller?
Yes. Coast Funding underwrites e-commerce sellers on Shopify, Amazon, eBay, Etsy, Walmart Marketplace, and other platforms by reviewing platform settlement deposits in your bank statements. Whether you sell brick-and-mortar, online-only, or both, sales-based programs are available.
How much retail funding can I qualify for?
Most retailers qualify between $10,000 and $500,000 based on monthly gross sales. Established retailers with strong financials can qualify for up to $5 million via equipment or inventory financing. A common rule of thumb is one to two months of gross revenue.
Can I get a retail business loan with bad credit?
Yes. Coast Funding works with retail owners across the credit spectrum. Our underwriters weigh recent sales, bank deposits, and time in business — not just credit scores. Bad-credit borrowers typically qualify for working capital or receivables financing.
How fast can a retail store get funded?
Funds are typically deposited the next business day or within 24 hours of signed contracts. Some exclusions apply for funding cut-off times and certain products.
Can I use funding to open a second retail location?
Absolutely. Second-location build-outs are one of our most common use cases. Most operators combine a term loan for the build-out with a line of credit for opening-month working capital and a startup inventory buy.
Does applying hurt my credit score?
No. There is no hard credit pull to apply with Coast Funding. A hard inquiry occurs only if a specific product requires it after you accept an offer.
Can I finance POS systems, fixtures, and store technology?
Yes. Equipment financing covers POS systems, security and surveillance, fixtures and shelving, custom millwork, signage, mannequins, refrigeration for specialty retail, and any tangible hardware. Terms run 2–5 years with fixed monthly payments.
When can I renew or get additional funding?
Funds typically become renewable around the 50% repaid mark, though this varies by program. Once you reach the renewal threshold, additional capital can be accessed.
Is Coast Funding licensed?
Yes. Certain Coast Funding programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720. Coast Funding Services LLC is headquartered in San Diego, California.
About This Page
Editorial Standards
Industries We Serve
Other Industries We Fund
Coast Funding serves small businesses across these industries and many more.
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