Retail Business Loans

After approval and document submission, funds can be available in as little as 24 hours. The online application takes about 5 minutes, and most applicants receive a decision the same business day.

No. SBG Funding’s retail business loans are unsecured — you are not required to pledge inventory, fixtures, real estate, or other assets. Equipment financing is an exception: the equipment itself serves as collateral, which is standard across the industry.

SBG Funding works with a wide range of retail businesses — including specialty retail stores, apparel and footwear shops, home goods and furniture retailers, gift and novelty stores, pet supply shops, sporting goods stores, toy and hobby retailers, health and beauty supply stores, and multi-location retail groups. As long as your business meets the basic requirements — 6+ months in operation, $250K+ annual revenue, 500+ FICO — your retail category does not affect eligibility.

Yes. Inventory purchasing is one of the most common uses of retail business financing. A business line of credit is particularly well-suited — it gives you revolving access to capital for each buying cycle, which you repay as product sells through. This is especially valuable ahead of peak seasons when inventory orders are large and lead times are long.

Yes. Seasonal revenue is one of the most common profiles we see in retail, and SBG Funding evaluates your full annual revenue history rather than any single month’s cash position. A strong holiday season, consistent annual deposit patterns, and solid overall revenue are the factors that matter most. Many retail businesses specifically use a business line of credit to bridge slow months and repay it during peak season.

Yes. Store renovations, fixture upgrades, signage, flooring, and layout changes are all eligible uses of retail business financing. A business term loan provides a lump sum to complete your renovation without disrupting operating cash flow or forcing you to delay the project until sales have accumulated.

Yes. Expanding to a second location is one of the most capital-intensive moves in retail — requiring lease deposits, build-out costs, opening inventory, and enough working capital to carry the new store through its first months. A business term loan provides the lump-sum funding to execute your expansion. Same-day decisions mean you don’t have to wait weeks to move on an opportunity.

Yes. SBG Funding works with omnichannel retailers — businesses that sell through physical stores, e-commerce platforms, or both. Your total revenue across all channels is what matters. Whether you’re a brick-and-mortar store, a store with an online component, or a primarily online retailer with a physical presence, your combined deposit history is what SBG Funding evaluates.

The primary differences are speed, flexibility, and qualification criteria. Banks typically require 2–8 weeks for approval, collateral, a hard credit pull, and often a FICO score above 680. SBG Funding makes same-day decisions, requires no collateral, performs no hard credit inquiry, and accepts FICO scores of 500+. We evaluate more than 50 factors — including your revenue history and deposit patterns — rather than relying primarily on credit score.

To get started, you need your 4 most recent business bank statements. For larger loan amounts, we may also request business tax returns or additional financial documentation. No lengthy business plan or audited financials are required to begin the process.

Yes. Many SBG Funding clients renew or expand their financing as their business grows. If you have an existing loan in good standing, you may be eligible to apply for additional financing. Contact your funding specialist to discuss your options.