Retail Business Loans & Financing Solutions
Retail businesses need flexible financing to manage inventory, seasonal fluctuations, and growth opportunities. Our retail financing solutions provide the capital you need to stock up, expand, and compete effectively. Get approved in as fast as 24 hours with funding as fast as the next business day.
- $3.5M Maximum Funding
- 6-36 mo Repayment Terms
- 24 hrs As Soon As Funding
- 550+ Credit Score
When to Use Retail Business Financing
Maximize your financial potential with our advisors who bring real-world expertise to the table. We're committed to leveraging their extensive knowledge to guide you towards financial success and security.
Inventory Management
Stock up on inventory before peak seasons and take advantage of bulk purchase discounts without straining your cash flow.
Seasonal Cash Flow
Bridge revenue gaps during slow periods while maintaining operations, payroll, and growth initiatives.
Marketing & Growth
Invest in marketing campaigns, expand your online presence, and drive more traffic to your store.
Staff & Operations
Cover seasonal hiring costs, training, and payroll needs before peak revenue periods arrive.
Technology Updates
Upgrade POS systems, improve eCommerce capabilities, and enhance the customer experience.
Store Improvements
Renovate your storefront, expand locations, or optimize your layout to boost sales.
Advantages of Retail Business Financing
Discover why retail business loans & financing solutions businesses choose SCG Funding for their financing needs. Our solutions are designed to keep your operations running smoothly with fast funding, flexible terms, and industry-specific support.
- Fast Approval Process
- Get approved as fast as 24 hours and funded in as little as 1-3 business days, ensuring you never miss an opportunity.
- Flexible Fund Usage
- Use capital for any business need - from inventory and payroll to marketing and expansion.
- No Collateral Required
- Qualify based on your business performance rather than risking personal or business assets.
- Renewable Funding
- Access additional capital as your business grows, with options to renew funding before your term ends.
How much can I qualify for?
Understanding your numbers is the first step to unlocking the right funding. Use our simple calculator to estimate what you might qualify for—no commitment required.
Estimate Your Pre-Approval
Select your estimated credit rating:
*Results shown are for illustration purposes only. Applications are subject to approval. Qualification criteria, rates, and other funding terms will vary depending on other factors.
Basic Requirements
- $20,000+Minimum Monthly Revenue
- Demonstrate consistent cash flow with monthly revenue exceeding $20,000 to qualify for most business funding options.
- 1+ yearsTime in Business
- Established businesses with at least 1 year of operating history show stability to lenders.
- 600+Credit Score Considered
- While requirements vary by lender, a minimum credit score of 600 is typically needed, with better terms for higher scores.
“As a small business, acquiring funding at every stage is so important. Mike was very service oriented and professional. He provided options that made sense for our business & most of all he didn't tell us what we wanted to hear to get the close. He was upfront and honest about the entire process & the numbers.”
Ready to grow your retail business?
SCG offers more than just capital—we provide retail businesses with a strategic approach to funding that helps you manage inventory and seize growth opportunities. Our deep understanding of the retail industry, combined with fast approvals and flexible terms, makes us the preferred choice for retailers nationwide. From inventory and staffing to technology and expansion, we're here to support your success at every stage.