Small Business Loans for Retail Businesses

Save money on inventory and expand your business with a line of credit.

What's your desired credit limit?

What repayment term works for you?
How often do you want to make payments?

Weekly Payment Amount*:

$424.00 Apply Now

We’re currently accepting new customer applications. Applying will not impact your credit score.

Applying will not impact your credit score.1

*This business loan calculator assumes a monthly interest rate of 3.3% and a 2% draw fee. Your interest rate and credit limit may vary based on your application. No draw fee in CO, GA, IN, NJ and OK.

Financing for Your Retail Business

When you’re looking to get funding for your retail business, the options can seem overwhelming. Depending on your company, you could be considering bank loans, Small Business Administration (SBA) loans, merchant cash advances and business lines of credit, just to name a few.

Because of the nature of the retail industry, lines of credit are often worth seriously considering when you need funds. A good line of credit will let you borrow up to a predetermined limit whenever you need funds, letting you quickly scale to match demand or draw operating funds during slow periods. You also will usually only pay interest on what you borrow, meaning your line of credit doesn’t cost you extra when you don’t need it.

How Small Business Loans for Retail Trade Can Help Your Business

Two key parts of the retail business are maintaining inventory and riding out the slow periods. You want to stock up on inventory and working capital ahead of holiday shopping or a seasonal sale, but the proceeds won’t arrive for some time to come. Small business loans can help you cover your supply needs and provide the flexibility you need to keep up with consumer demand.


Stock up ahead of time to meet any seasonal rush. This can be especially important for clothing and electronics retailers after Thanksgiving, or before back to school sales. Home improvement stores may need to stock up ahead of the summer season.


Cover the cost of expanding an existing store or opening a new location and filling the space with inventory.

Cut expenses

Buying inventory in bulk can save you money by purchasing items at a discounted price.

Get a Business Line of Credit from Headway Capital

Headway Capital offers a true line of credit with no hidden fees for retail businesses, helping them fulfill all their business financing needs. A business line of credit is similar to a business credit card in that you use it as you need it, repaying only what you borrow.

Credit Line

Up to

Loan Type

Business line of credit

Repayment Term

12, 18 or 24 months

No Hidden Fees

See our Rates & Terms for details

Payment Frequency

Weekly or monthly

Clear Cost

Clear payment terms, interest does not compound, no penalty for early payoff

Why Choose Headway Capital?

We See the Big Picture

We look beyond your credit score in evaluating your business.

We’re Flexible

Borrow what you need, when you need it, and pay it back according to your own schedule.

We’re Sensible

Make multiple draws (up to your credit limit) and only pay interest on what you borrow each time.

We’re Transparent

Upfront rates and no hidden fees mean you’ll always know what you’ll owe.

Headway Capital is rated 9.1 out of 10 based on 147 reviews on Trustpilot

1We always do a soft inquiry unless your credit file is restricted, in which case we would ask you to contact the credit bureau to lift the restriction. Doing so may result in a hard pull.