Business financing

Short-Term Financing for Retail & E-Commerce

Straightforward short-term financing with quick approval and a clear, fixed repayment schedule. Capital for retail and e-commerce businesses that need to move fast — whether that's loading up on inventory before Q4 or covering the gap between a supplier invoice and customer collections.

Amount: $10K – $500K
Speed: As fast as 24 hours
Repayment: Fixed schedule, 3–18 months

What you can fund

How Retail & E-Commerce put Short-Term Financing to work

Inventory purchasing

Buy seasonal or trending inventory in bulk before stockouts happen.

Marketing & ad spend

Fund paid search, social, and partnerships during high-ROI periods without pulling from reserves.

Platform & fulfillment

Cover platform fees, fulfillment deposits, or marketplace ads to capture more volume.

Storefront refresh

Renovate your physical space or upgrade point-of-sale to lift conversion.

Why choose it

Why Short-Term Financing fits Retail & E-Commerce

Predictable payments

A fixed repayment schedule means you know the cost and the timeline up front.

Quick decisions

Streamlined review gets you an answer in hours, not weeks.

Lump sum up front

Receive the full amount at once to fund a project, purchase, or short-term need.

Clear payoff date

Defined terms mean the balance is fully resolved by a set date with no open-ended commitment.

Best fit

A strong fit when you're

Funding a specific, one-time project or purchase
Owners who want a fixed, predictable payment
Bridging a short-term cash flow need
Businesses that prefer a clear payoff date

Questions

Common questions

How is repayment structured?

You receive a lump sum and repay it on a fixed schedule, typically over 3 to 18 months, so the cost and payoff date are clear from the start.

What do I need to qualify?

Most approvals are based on your monthly revenue and time in business. A short application and recent bank statements are usually all that's required.

How fast can I be funded?

Decisions are often made the same day, with funds reaching your account in as little as 24 hours after approval.

What will it cost me?

You'll see a clear, fixed total cost and payment amount before you accept, with no compounding surprises or hidden fees.