An inventory line
Draw in September for the holiday buy, repay in January when it sells through. Revolving lines from $25K to $500K, with interest only on the weeks the balance is out.
Funding for retail,
stocked ahead of the season.
Holiday inventory is ordered in July and paid for in September, long before the register rings. One application, shopped to the lenders we work with that fund retailers, with funding in as little as 24 hours.1 No impact to your credit score to apply.2 Amounts from $5K to $5M.3
4.8Excellent · Based on 12,480 reviews
FundLine Capital is a commercial loan broker, not a lender. Offers are made by the lenders we work with.
How much do you need?Illustrative only. Your rate, term and payment are set by the lender whose offer you accept.
Est. monthly payment$3,548
Illustrative terms12.5% APR · 24 mo
18%supplier discount for paying in ten days
A short-term loan that costs 4 percent to take an 18 percent early-pay discount is not debt, it is margin. That is the kind of math a retail line is for.
Capital for the buy,
the slow months and the refresh
Retail cash flow is a calendar: buy early, sell late, carry fixed costs in between. We match products to the months, not to an average.
Repay from card sales
Merchant cash advances and some short-term loans are repaid as a small share of daily card receipts, so payments shrink in February and grow in December.
Refreshes and second doors
A 24- to 60-month term loan funds new fixtures, a modern checkout or a second location and spreads the cost across the years it lifts sales per square foot.
Online sales count
Lenders read total deposits across your bank, your card processor and your online storefront, so a shop that sells both ways qualifies on the combined figure. Connecting your processor and storefront during the application usually speeds up the decision. Bring a summary of inventory on hand as well; for a retailer it is the collateral lenders care about most.
How retailers get funded with FundLine
Juniper & Vine Home Goods
$40,000 of $150,000Available to draw
$110,000Outstanding balance
Draw funds
Holiday order, deposit$62,000
Holiday order, balance$48,000
Next payment$4,780 on Oct 1
Planned payoffJan 12
- 1
Apply once
About 15 minutes. Company details, three to six months of bank and card-processing statements and, for larger amounts, a recent P&L.
- 2
Compare offers
We shop the application to the lenders we work with that fund retail and lay out the offers, including total cost, so a card-sales repayment can be compared with a line.
- 3
Stock the shelves
Accept the offer that fits. Lines and short-term loans can fund in as little as 24 hours after acceptance, in time for the supplier's deadline.
Talk to someone who knows
the best quarter is bought in the quietest one.
Our advisors have placed inventory lines, remodel loans and card-sales advances for boutiques, hardware stores and multi-location chains. Bring your seasonal calendar and your biggest supplier's terms; we will tell you what fits.
Book a callReal people, any day of the week
What retailers say
Excellent
4.8
Based on 12,480 reviewsFundLine owner reviewsRetail funding questions
Most retailers start with a business line of credit for inventory and a business credit card for everyday spend. Established stores add term loans for remodels and new locations. FundLine shops one application to the lenders we work with that fund retail.
Yes. A revolving line lets you draw before the season and repay after it, so you pay interest only on the weeks you use the money. Some lenders also offer repayment that flexes with daily card sales.
They do. Lenders look at total deposits across your bank accounts, card processors and online storefronts. A store that sells both in person and online can often qualify on the combined figure.
Inventory lines commonly run $25K to $500K depending on annual sales and margins. Remodel and expansion term loans run $50K to $750K. Multi-location chains with strong history can go higher through the lenders we work with.
Sometimes. Repaying from a share of daily card sales suits a store with strong card volume and a short need. It is usually more expensive than a line of credit, so compare the total cost side by side before you accept. We show both.
The application takes about 15 minutes. Lines of credit and short-term loans often return offers within a couple of days, and many lenders fund in as little as 24 hours after you accept.
Yes. Hardware such as terminals and scanners can qualify for equipment financing; software licenses and training are funded from a line or a term loan. Many retailers bundle the whole upgrade into one term loan.
Submitting a FundLine application does not impact your personal or business credit score. Accepting a specific offer may involve a hard inquiry, which the lender discloses before you proceed.
Three to six months of business bank statements, recent card-processing statements, basic company details and, for larger amounts, a recent P&L and a summary of inventory on hand. Your lease helps for expansion requests.
Business line of credit
Draw for the seasonal buy, repay when it sells through, and pay interest only on the weeks you use it.
Business credit card
Everyday spend, supplier deposits and a float on purchases, with rewards on what the store buys anyway.
Guides for shop owners
How to fund a season, take a supplier discount and open the second door without guessing at the cost.
Blog
Line of credit vs. term loan for seasonal cash flow
The clearest way to decide between a revolving line and a fixed payment for a seasonal store.
Read moreGuide
Building business credit
How a card and a small line today become a bigger inventory line next season.
Read moreTool
Payment calculators
Price a supplier discount against the cost of the loan that takes it.
Read moreReady to stock
the next season?
One 15-minute application. No impact to your credit score to apply.
- 1¹ Funding in as little as 24 hours applies to select products after you accept an offer. Timing varies by lender, product and how quickly documents are returned.
- 2² Submitting a FundLine application does not affect your personal or business credit score. A lender may run a hard inquiry before final approval and will disclose it first.
- 3³ Amounts, rates and terms are set by the lender and depend on time in business, revenue and credit profile. $5K to $5M is the range across the lenders we work with; not every business qualifies for every amount.