Retail Business Loans Up to $2M
Fast funding for retail stores, ecommerce businesses, and online sellers.
Prime Business Care specializes in retail business loans for brick-and-mortar stores, ecommerce businesses, Amazon sellers, Shopify stores, boutiques, and specialty retailers. Get inventory financing, working capital, merchant cash advances, and equipment financing designed for retail's unique cash flow cycles. Approved in 24 hours.
Business Loans Built for Retail & Ecommerce
Retail business loans from Prime Business Care are designed for how retailers actually operate: inventory investment that ties up capital for months, seasonal demand swings, payment processor delays, rising ad costs, and platform-specific cash flow cycles unique to each sales channel.
Whether you run a brick-and-mortar boutique, a specialty shop, a multi-location retail chain, an Amazon FBA business, a Shopify store, or sell across Etsy, eBay, and Walmart marketplace — we provide funding products that match your retail model. We fund the retail businesses banks often overlook because they don't understand ecommerce or independent retail.
From a $25,000 inventory advance to stock up for holiday season, to $100,000 working capital for Amazon FBA inventory expansion, to $500,000+ funding for new store locations — we have the right product for retail businesses at every stage. Funded in 24 hours. Bad credit welcome. All ecommerce platforms supported.
Cash Flow Challenges in Retail & Ecommerce
Running a retail business — whether in-store or online — has unique cash flow demands. Here's why fast funding is essential for retail businesses.
Inventory Investment
Retail means buying inventory now to sell later. Holiday orders placed in July, summer stock bought in April — capital locked up for months before selling through.
Seasonal Demand Swings
Retail is highly seasonal. Holiday, back-to-school, summer — revenue can vary 3-5x between peak and slow months. Capital smooths the cycle.
Payment Processor Holds
Amazon holds funds 14+ days. Shopify pays in 2-5 days. Stripe has reserves. Real cash lags behind sales, especially for new sellers.
Rising Ad Costs
Meta, Google, Amazon ad costs keep rising. Scaling requires fronting ad spend before the conversions come back. Capital enables growth.
Banks Misunderstand Retail
Traditional banks often classify retail as risky and ecommerce as unproven. Many profitable retailers get declined despite strong performance.
Supplier Payment Terms
Suppliers often require payment upfront or NET 30. Meanwhile, customers pay retail prices only after you've paid wholesale and shipping. Cash flow gap.
Retail Business Loan Products
Multiple funding products built for retail and ecommerce operations. Pick the right product for your store.
Retail Merchant Cash Advance
Fast funding based on credit card sales or payment processor deposits. Repayment automatically flexes with revenue — busy season = bigger payments, slow = smaller. Perfect for seasonal retailers.
Learn about MCA →Retail Working Capital
Short-term loan for inventory purchases, bulk orders, supplier payments, and operations. Fixed weekly or monthly payments over 3-24 months. Predictable structure for planned inventory buys.
Learn about working capital →Retail Line of Credit
Revolving credit line that's always available. Draw for seasonal inventory, ad spend, or opportunities. Only pay interest on what you use. Reusable as you repay — perfect for retail fluctuations.
Learn about lines of credit →Retail Equipment Financing
Finance POS systems, store fixtures, display cases, security systems, warehouse equipment, and ecommerce fulfillment tools. Equipment secures the loan. Section 179 tax benefits apply.
Learn about equipment financing →What Retailers Use Business Funding For
Retail business loans are flexible and cover every aspect of running a store or ecommerce business. Here's what our retail clients use funding for most often.
Inventory Purchases
Bulk orders for seasonal stock-ups, new product lines, or supplier discounts on larger quantities.
Holiday Stock-Up
Load up on inventory for Black Friday, Christmas, back-to-school, or other peak sales seasons.
Amazon FBA Inventory
Ship more units to FBA warehouses. Scale your catalog. Launch new SKUs with sufficient stock.
Paid Advertising
Meta, Google, Amazon, TikTok ads. Scale ad spend before revenue catches up to drive growth.
New Store Location
Lease deposits, buildout costs, initial inventory, and working capital for grand opening.
POS & Technology
Modern POS systems, ecommerce platform upgrades, inventory management software, integrations.
Renovations
Store refreshes, fixture updates, branding upgrades, and customer experience improvements.
Payroll & Operations
Staff wages, rent, utilities, insurance, and ongoing overhead during slow periods.
Expansion & Growth
New categories, wholesale accounts, Amazon expansion, international shipping, warehouse space.
How Retail Stores Qualify for Business Loans
Our retail business loan requirements are realistic for both brick-and-mortar and ecommerce retailers. Here's what you need to qualify.
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6+ Months in Business
Operating your retail business at least 6 months with consistent revenue. Longer history unlocks better rates and larger amounts.
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$15,000+ Monthly Revenue
Minimum $15K monthly gross revenue from retail sales, payment processor, or platform deposits. Higher revenue = larger funding.
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500+ Credit Score
FICO scores as low as 500 accepted for MCA products. Bad credit doesn't disqualify when retail revenue is strong.
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Business Bank Account
Dedicated business checking account showing regular deposits from sales, processors, or ecommerce platforms.
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Payment Processing
Active credit card processor (for brick-and-mortar) or ecommerce payment integration (Shopify, Amazon, Stripe, PayPal).
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No Open Bankruptcies
No currently open bankruptcy proceedings. Discharged bankruptcies typically OK after 1-2 years with strong operations.
Retail Businesses We Fund
From neighborhood boutiques to Amazon sellers to multi-location chains, we fund every type of retail and ecommerce business.
Brick-and-Mortar Stores
Shopify Stores
Amazon FBA Sellers
Boutiques & Apparel
Jewelry Stores
Specialty Gift Shops
Etsy & Handmade
Convenience Stores
Electronics Retailers
Sporting Goods
Bookstores & Media
Multi-Channel Sellers
Why Retailers Choose Prime Business Care
Retail and ecommerce are major funding categories for us. Here's why retail owners prefer us over banks and other lenders.
Same-Day Funding Possible
MCA products can fund same-day for qualified retailers. Most products funded within 24-48 hours — fast enough for time-sensitive inventory buys.
Bad Credit Welcome
500+ FICO accepted for most products. We evaluate your store's actual sales performance — not just your credit report.
Retail & Ecommerce Experts
Our team understands seasonal inventory cycles, Amazon payouts, Shopify payment flows, and the unique economics of modern retail.
All Platforms Supported
Shopify, Amazon FBA, Etsy, eBay, Walmart marketplace, Stripe, PayPal, Square — we understand and fund every channel.
Renewal-Focused
Build a funding relationship once, benefit forever. Most retailers we fund come back for renewals with better rates and terms.
Dedicated Specialist
Work with one specialist who understands your retail business from first call through funding and renewal. No runaround.
Retail Business Loan FAQ
Common questions from retail and ecommerce business owners about business funding.
What are retail business loans?
Retail business loans are financing products for brick-and-mortar stores, ecommerce businesses, Amazon sellers, boutiques, and specialty retailers. They include inventory financing, merchant cash advances based on credit card sales, working capital for operations, lines of credit for seasonal needs, and equipment financing for POS systems and store fixtures.
Can ecommerce businesses get loans?
Yes. Prime Business Care funds ecommerce businesses selling on Shopify, Amazon, Etsy, eBay, Walmart, and their own websites. We evaluate your platform deposits, processor statements, and overall revenue. Amazon sellers can use revenue-based advances. Shopify and independent ecommerce qualify based on payment processor deposits.
How can I finance retail inventory?
Inventory financing lets you stock up for seasonal demand, bulk purchase discounts, or expand product lines. Prime Business Care offers MCA products, working capital loans, and lines of credit specifically designed for inventory purchases. Amounts range from $10,000 to $500,000+ based on revenue, with funding in 24-48 hours.
How do retail stores qualify?
Retail stores qualify based on monthly sales, time in business, and bank deposits. Most products require $15,000+ monthly revenue, 6+ months in business, and a 500+ FICO. Stores with strong credit card processing history often qualify for MCA products easily since repayment is pulled from daily card sales.
Can seasonal retailers qualify?
Yes. Seasonal retail businesses like holiday stores, summer boutiques, and tourist-area shops are regularly funded. We analyze annual revenue cycle rather than single-month performance. MCA products work especially well for seasonal retailers because payments flex with revenue — smaller payments during slow seasons.
What can I use funding for?
Retail funding can be used for inventory purchases, seasonal stock-ups, store renovations, new locations, POS systems, ecommerce platform upgrades, marketing and ads, payroll, rent, utilities, expansion, and any legitimate retail business expense. Most products have no restrictions on how you use the funds.
How fast can I get funded?
Most retail business loans through Prime Business Care are approved within 24 hours and funded within 24 to 48 hours. Some applications fund same-day depending on deal size and document submission speed. Equipment financing for POS or fixtures typically takes 2 to 4 business days.
Can Amazon and Shopify sellers qualify?
Yes. We fund Amazon FBA sellers, Shopify store owners, Etsy sellers, eBay power sellers, and Walmart marketplace sellers. Platform deposit history counts as business revenue for underwriting. Minimum $15,000/month in platform deposits typically qualifies for MCA products.
Apply for a Retail Business Loan Today
Get approved in 24 hours. Soft credit pull only. 500+ FICO accepted. Brick-and-mortar and ecommerce both welcome.
Start Your Application