Retail & Storefronts
Stock the shelves for the season that pays the year.
Inventory has to land 60 days before it sells, and the landlord does not wait. AXIS funds the gap, with decisions the same day and funding in as little as 24 hours.
Typical funding for Retail & Storefronts
- Merchant Cash Advance
$10K to $500K · funded in 24 hours
- Business Line of Credit
$10K to $250K · funded in 1 to 3 days
- Business Term Loans
$25K to $500K · funded in 2 to 7 days
What owners use it for
What Retail & Storefronts owners use funding for.
Retail inventory has to be ordered and paid for weeks before it sells, and a landlord doesn't wait for a good sales month. AXIS funds the buy so the shelves are stocked when demand shows up.
- Seasonal inventory buys at volume pricing
- POS, fixtures and store refreshes
- Opening a second location
- Marketing pushes before peak season
Which product fits
Funding built for Retail & Storefronts.
Three structures that show up most often for this industry. An advisor helps you pick based on your file.
Illustrative example
How the numbers can work.
A sample scenario, not a quote. Your amount, product and terms depend on your revenue and file.
Example: A boutique retailer needs to place a bulk inventory order 60 days ahead of the holiday season, but cash is tied up in the current season's stock. She takes a merchant cash advance against card sales to pay the supplier in full and lock in volume pricing, then repays it out of holiday revenue as it comes in.
| Monthly revenue | $50,000 |
|---|---|
| Amount funded | $35,000 |
| Product | Merchant Cash Advance |
| Funding time | 24 hours |
Cash gets tight 60 to 90 days before peak season, exactly when inventory has to be ordered and paid for.
Who qualifies
Qualifying as a Retail & Storefronts business.
- 6 months or more in business
- $10,000+ in average monthly revenue
- Personal credit score of 500+ considered (revenue matters more than the number)
- A business license and, for a storefront, a current lease on file.
Related reading
Read before you apply.
More on how this product works and what to expect before you apply.
Straight answers
Questions retail & storefronts owners ask.
Can I fund inventory ahead of a busy season?
Yes, this is one of the most common uses. A merchant cash advance or line of credit can cover a bulk order weeks before the sales it is meant to fund arrive.
Do you work with brick-and-mortar and online retail?
Yes. Underwriting looks at deposits regardless of channel, whether that is a POS system, card processor or online payment platform.
What if my sales are seasonal?
Expected. We read monthly trend, so a strong Q4 can support financing that carries a slower spring.
Can funding cover a store remodel or new fixtures?
Yes, typically through a term loan or equipment financing, since both fit a one-time build-out better than a short-term advance.
How is retail underwritten differently than other industries?
We weigh the seasonal pattern of your deposits more heavily, since a retailer's slow month is often predictable rather than a sign of trouble.
Other industries
Funding for other trades that run on cash flow.
Funding built for Retail & Storefronts. Fast.
Two-minute application. Same-day decision. Funding in as little as 24 hours.
Soft credit pull. No obligation. No impact to your score.