Small Business Loans for Retail Businesses

Save Money on Inventory and Expand your Business with a Line of Credit

Select the amount you wish to borrow:

$18,000

Choose your repayment term

12 months
18 months
24 months

How frequently do you want to make payments?

Weekly
Monthly

Weekly payment amount*:

$294.00
Apply Now
See if you qualify in minutes!
*This business loan calculator assumes a monthly interest rate of 3.3%. Your interest rate may vary based on your application information.

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.

How Small Business Loans for Retail Trade Can Help Your Business

Inventory

Inventory

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.

Expansion

Expansion

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

Cut expenses

Cut expenses

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

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.

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
$50,000

Repayment Term

12, 18 or 24 months

Payment Frequency

Weekly or monthly

Loan Type

Loan Type

Business line of credit
No Hidden Fees

No Hidden Fees

No application fee or non-sufficient funds (NSF) fee
Clear Cost

Clear Cost

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

Why Choose Headway Capital?

The big picture

The big picture

We look beyond your credit score in evaluating your business.

Flexible

Flexible

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

Adaptable

Adaptable

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

No surprises

No surprises

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

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