Retail Store Business Loans

Fast, flexible funding tailored for retailers.

Owning a retail store comes with unique challenges — from seasonality and inventory demands to shifting consumer behavior. Unfortunately, many banks label retail businesses as “high risk,” making it difficult to secure the capital you need to grow.

Capitalize Loans offers retail store business loans with fast approvals, minimal paperwork, and funding in as little as 24 hours — so you can focus on delighting customers, not jumping through hoops.

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Retail Store Solutions

We fund a wide variety of retail businesses, including:

  • Clothing stores
  • Salons & spas
  • Convenience stores
  • Specialty shops
  • Online & brick-and-mortar hybrid stores


Whether you’re preparing for the holiday rush or upgrading your location, our flexible funding solutions can help:

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Business Advance

Get upfront capital by borrowing against future sales — ideal for inventory restocks or slow periods.

Learn More About Business Advance
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Line of Credit

Access working capital on demand — only pay for what you use. Great for managing cash flow or unplanned expenses.

Explore Business Line of Credit
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Equipment Financing

Fund POS systems, lighting, display cases, or even software upgrades without straining your cash reserves.

Learn About Equipment Financing

How You Can Use Retail Store Business Loans

Retail is fast-paced and seasonal — your funding should be, too. Capitalize Loans helps you stay ahead with working capital for:

  • Stocking up on inventory before peak seasons
  • Opening a second location or renovating an existing space
  • Launching or improving your online store
  • Marketing campaigns and advertising
  • Creating customer loyalty or rewards programs
  • Sponsoring events to drive foot traffic and visibility
  • Hiring and retaining staff during busy times

Whatever your strategy, our retail funding solutions are built to support your business growth and long-term stability.

How It Works

01
Submit a Simple Application
Apply online in just a few minutes — no long forms or red tape.
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02
Speak with a Funding Advisor
An underwriter will guide you toward the best loan option for your goals.
03
Get Approved & Funded Fast
You could receive funding in your account within 24 hours of approval.
04
Repay on Clear Terms
We structure repayment upfront so you always know what to expect.

Why Choose Capitalize?

  • Retail Experience – We understand the cash flow cycles and challenges of retail businesses
  • Quick Approvals – No waiting weeks like with banks
  • Minimal Requirements – Just 6 months in business and 3 months of bank statements
  • No Collateral Required – Most loans are unsecured
  • Flexible Loan Options – Pick what works for your timeline and goals

Ready to Grow Your Retail Business?

Apply online today and speak with a Capitalize advisor who understands the retail industry.

Apply for Retail Store Business Loans