Retail / E-commerce working capital & lending

POS or platform-deposit cash flow; strong seasonal patterns (Q4 dominant for most retail; back-to-school, holidays for specialty). Revenue-based underwriting available — businesses with strong monthly revenue qualify even when credit is imperfect.

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Common uses of capital in retail & e-commerce

Inventory pre-buys ahead of peak season
Marketing spend (Meta, Google, Amazon) timed to drive seasonal sales
Multi-channel expansion (adding e-commerce to brick-and-mortar or vice versa)
POS or fulfillment infrastructure upgrades
Bridge between peak sales and supplier payment terms

Best-fit lending products for retail & e-commerce

Working capital advance / MCA — pre-Q4 inventory deals are the canonical use case
Lines of credit — for ongoing inventory replenishment
Invoice factoring — for B2B wholesale retailers
Equipment financing — POS, fulfillment, signage

Seasonality & timing: Q4 dominant; need working capital secured by August-September to fund inventory + marketing for Q4.
Qualification benchmark: Online retailers with $50K+ monthly platform revenue (Shopify, Amazon, etc.) qualify for working capital based on platform deposit history. Brick-and-mortar with $40K+ monthly POS qualifies similarly.
Relevant NAICS codes: 441110-454390 (varies by retail subcategory)

Other industries we work with

Restaurant & Food Service Auto Repair & Body Shop Medical & Dental Practice Construction & Trades Trucking & Transportation Professional Services Beauty, Salon & Spa

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