Questions? We're always open. 📞
(646) 440-4100
Want more info? Text us: 💬
(206) 426-6916
Contact Us

Questions? We're always open. 📞 (646) 440-4100

Want more info? Text us: 💬 (206) 426-6916

Contact Us

Retail Business Financing

Fast funding for retail stores so you can stock shelves, staff up, and stay ahead

With an 85% approval rate, what are you waiting for?
Applying will not impact your credit score….*

Financing for Your Retail Business That You Can Rely On

Retail business financing is working capital designed specifically for retail store owners who need fast access to funds for inventory, equipment, expansion, or cash flow management. REIL Capital offers approval in 24 hours with FICO scores starting at 500 and an 85% approval rate.

Retail Business Loans and Financing Products

REIL Capital offers multiple financing products tailored to the specific needs of retail store owners. Bridge capital, equipment financing, invoice financing, business lines of credit, SBA loans, and term loans each serve different use cases and timelines.

  • Funding in as little as 24 hours
  • Flexible repayment aligned to revenue cycle
  • No collateral required for most products
  • Covers inventory, payroll, and emergencies
  • Amounts from $10K to $500K
  • Finance POS systems and display fixtures
  • Equipment serves as collateral
  • Covers up to 100% of equipment cost
  • Terms up to 60 months
  • Preserves working capital for daily operations

The recommended product for retail industry

Join our network of happy customers!

All you need to qualify

$20k+

In monthly revenue

6+

Months in business

500+

FICO Score

4

Most recent business bank statements

$250K+

In annual revenue

6+

Months in business

600+

FICO Score

4

Most recent business bank statements

How to Apply for Retail Business Financing

Getting funded takes three steps. Most retail business owners complete the application in under 5 minutes and receive funds within 24-48 hours of approval.

Apply Online

Just a few quick questions and away we go

Get Approved

Get your approval and jump for joy!

Receive Your Funds

Accept your terms and the funds are on the way!

Get Your Retail Business Funded

Apply in 5 minutes. No impact to your credit score. Funding in as little as 24 hours.
Applying will not impact your credit score. By providing a telephone number and submitting the form you are consenting to be contacted by SMS text message from Mission Capital, LLC DBA REIL Capital. Message frequency may vary. Message & data rates may apply. Reply STOP to opt-out of further messaging. Reply HELP for more information. See our Privacy Policy: https://reilcap.com/privacy-policy/

Retail Inventory Financing

Retail inventory financing provides stores with capital to purchase merchandise before peak selling seasons, take advantage of bulk purchase discounts, or expand product lines without depleting cash reserves. Inventory is often a retailer's largest expense after rent and labor.

Seasonal retailers face the challenge of needing to invest heavily in inventory weeks or months before revenue arrives. Holiday merchandise, back-to-school inventory, and seasonal fashion all require upfront capital commitments that inventory financing can cover.

REIL Capital offers inventory financing that gives retailers the purchasing power to stock up when prices are lowest and demand is highest. Funding is available in 24 to 48 hours, so you can respond quickly to supplier offers, closeout deals, and trending products.

Ecommerce Business Loans

Ecommerce business loans help online retailers fund inventory purchases, warehouse expansion, marketing campaigns, and technology upgrades. The ecommerce model has distinct financing needs compared to brick-and-mortar retail, including higher marketing costs, fulfillment infrastructure, and platform-specific working capital requirements.

Common uses of ecommerce financing include bulk inventory orders from overseas manufacturers with long lead times, Amazon FBA inventory and prep costs, paid advertising budgets for product launches, and warehouse or 3PL setup costs when scaling beyond home-based fulfillment.

REIL Capital finances ecommerce businesses based on actual revenue rather than requiring physical collateral or years of operating history. If your online store generates at least $20K in monthly revenue, you may qualify for funding from $20K to $2M to fuel your next phase of growth.

Frequently Asked Questions

Can't find the answer you need?

Check out our general FAQ section!

Retail is one of many industries we fund. Explore how our financing adapts to inventory cycles, seasonal demand, and other industry-specific challenges.

* Rates shown reflect an average fixed monthly percentage. Rates may vary by state and lender criteria. We do not perform a hard credit pull at any point in our approval process. Decision and funding time are subject to applicant’s submission of all requested approval and closing documents. Same day funding is contingent on applicant qualifications. By supplying us with your information, you authorize REIL Capital LLC to contact you at the numbers you provide (including mobile) during any step of this application, via phone (including automated telephone dialing systems, prerecorded, SMS and MMS means) even if you are on a Do Not Call Registry. You are not required to agree to be contacted in this manner to apply with REIL Capital LLC.
Loans made or arranged pursuant to a California Financing Law license - CFL License Number: 60DBO 89473
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