Retail is timing: buy inventory months before it sells, staff up before the rush, refresh the store before it fades. Capital that arrives on retail’s calendar — not a bank’s.
Three quick questions — no credit impact.
Secure & confidential. No obligation.
At a Glance
Programs that read your register — because in retail, sales velocity is the real credit score.
The Problem We Solve
Every retailer knows the sting: the vendor’s bulk discount you had to pass up, the holiday stock you under-ordered, the hot SKU that sold out while the reorder waited on cash. In retail, working capital is inventory, and inventory is revenue.
Our retail programs size funding against your sales velocity — POS data, card volume, deposit rhythm — so the capital shows up in time for the buying window, not after it closes.
The Toolkit
Different retail moments, different instruments — all under one roof.
Take the vendor discount, order deep for the season, and let sell-through repay the raise. The classic retail play.
Working capitalA revolving buffer for reorders and opportunistic buys — draw at the vendor deadline, repay from the register.
Line of creditNew fixtures, a remodel, the second location — term capital that amortizes over the years the investment serves.
Term loansHigh card volume means processing fees are quietly one of your biggest line items. We shrink it.
Merchant processingSimple Process
Vendor deadlines don’t move. Neither does our pace.
Four minutes below — your sales volume, the opportunity, the timeline. POS or processing data accelerates everything.
~4 minutesA specialist who understands turns and margins matches your volume to the right program, same day.
Same dayAmount, cost and remittance laid out plainly — including seasonal structures that go light in slow months.
Plain numbersFunds land in 24–48 hours. You hit the vendor deadline, capture the margin, and the season pays it back.
24–48 hrs
Who We Fund
Storefront, online, or both — the modern retailer is omnichannel and so is our underwriting. Marketplace sellers and DTC brands included.
On the shelf:
Questions, Answered
Yes — inventory is the most common use of retail working capital, and lenders like it because it converts directly into revenue. Bring the vendor quote or buy plan and we’ll size the raise to the opportunity.
It shapes the structure, not the answer. Retail lenders read seasonal curves constantly; several programs offer lighter remittance in slow months and heavier during peaks — matched to your actual sales calendar.
Fully. E-commerce deposits are first-class revenue in our underwriting — including for sellers with no physical storefront at all. Platform reports plus bank statements are all it takes.
Working capital routinely funds in 24–48 hours from a complete application. If the deadline is tight, flag it — same-day approvals are common when statements come in with the application.
A rule of thumb: one-time opportunity, take the lump sum; recurring reorder rhythm, open the line. Many retailers run both — a term raise for the big seasonal buy and a line for in-season reorders. We’ll model your buying calendar and recommend.
No — exploring options uses a soft inquiry only. A hard pull happens only later, with your consent, once you choose a specific program.
Still curious? Read the full FAQ or call (877) 283-2321.
Get Funded
Four minutes. Upload processing or platform statements in the documents step for the fastest sizing.
What are you applying for?
Choose the option that fits best — you can always talk it through with a specialist.
How much funding do you need?
Drag the slider — a rough number is fine.
What's it for?A few details
This helps us match you with the right lenders.
Where should we send your options?
A funding specialist will review and reach out — no impact to your credit score.
Speed things up with documents (optional)
Recent bank statements help us get you approved faster. Accepted formats: PDF, PNG, JPG — max 3 files.
Review your application
Make sure everything looks right — then send it our way.
Thank you — your application has been received. A dedicated funding specialist will contact you within one business day.
Need us sooner? Call (877) 283-2321.
Success Stories
Retailers who bought deep, sold through, and came back for the next season.
BTEC Financial helped me secure funding when traditional banks turned me away. Within 48 hours I had the capital to expand my store.
From application to money in my account took three days. The whole process felt effortless.
Switched our card processing through them and we are genuinely saving about 35% monthly.
Let's Get You Funded
Apply in four minutes and have inventory capital in the account this week — in time for the buy that makes the quarter.
