Retail Financing

Financing for Retailers

The retail industry as a whole covers a wide range of offerings—from cookware to car parts. Of course, when it comes down to running a commerce business, most times you’re dealing with seasonal demand. At one moment, you’re selling like hotcakes. The next moment it’s crickets. For the latter reason, having a constant influx of working capital is a necessity. Handling big orders in record shipping times, dealing with returns, not to mention keeping your day-to-day operation running smoothly, it all takes funding. Regardless of whether you’re online or a brick and mortar outfit, the capital from a loan is essential to help keep the lights on.

Top 5 benefits

  • Upgrade technology and equipment
  • Keeping up with payroll
  • Paying vendors
  • Funding expansion
  • Cover shipping, inventory and storage costs

Retail Business Loan Quick Facts

Loan amounts of $5K-$500K
Repayment terms up to 36 months
Approval in as little as 24 hours

Basic points to consider when applying for a retailer loan

Retail is unpredictable, which is why most owners look for financing with flexible payments and term length. When applying for funding, you should not only have your finances in order but a clear plan of how you’ll be using the capital. Types of financing to consider include:

  1. Business line of credit: A fast way to have access to the funds you need.
  2. Short-term business loan: A loan with terms ranging from three months to three years.
  3. Equipment financing: Payment plans to finance the purchase of equipment.

Success Stories

Big wins for our construction clients

Within a few days of working closely with Upscale Capital, the funds were transferred.

Happy Cleaners - Denver, CO

Each question or concern I had was always answered in a timely manner. The company has a high level of professionalism.

M&T Construction - Knoxville, TN

I now have my preferred source of capital and I can feel relieved that I have a partner always alongside me.

Jennifer Flowers and Events, SpringField, Ohio

Trusted by businesses like yours

I’m thanking Thomas! He has work with me over the years helping me grow my candy store. Just got my second location. Amazing customer service.


We had a great experience with Michael. Quick responses, and available at anytime. He worked after hours to get me what I needed.


Upscale stepped in and gave me exactly what I needed. My business is thriving now!


The easiest and most professional service I received when looking for capital.


How It Works

Simple. Fast. Funded.


Fill Out Our Quick & Easy Application

The entire process takes just 2 minutes with no fee.


Receive Approval

92% of the applications submitted are approved within 24 hours.


You’re Funded

Funds are deposited to your bank account within hours of approval.

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Get funds in as fast as 24 hours