Retail Business
Loans & Financing

Various retail business owners rely on us for retail financing, from one-location boutiques to nationally recognized franchises.

We're a Funding Partner
with a Proven Track Record

Since 2008, we've grown with the companies we support.

What Are Retail Business Loans?

Retail business loans are lending products designed for the retail business owner. These loans help entrepreneurs pay for leasing, supplies, payroll, marketing, building repairs, and more. They are designed to work for specific needs when you’re financing retail stores. There are many different loan types depending on factors like annual revenue, credit score, and length of time in business.

How Retail Financing Works

You get retail financing through a bank or lending institution. Once you apply for the loan, there may be more than one option you qualify for. There are SBA loans, unsecured loans, revolving lines of credit, and even cash advances. Lenders look at your financial history to determine eligibility and make a determination of how much your business can get and the loan terms. Businesses with better credit can often get better loan terms.

Use Cases

How To Use A Retail Business Loan

There are many ways to use retail business loans. Whether you need to upgrade your computer systems, buy more supplies, repair your business location, or you’re planning to expand to new locations, here are some of the ways a retail business loan can help you reach your goals.

Learn Why Us
  • Operations

    When you’re ready to expand your business or need to purchase new inventory or just keep the lights on, retail funding can help.

  • Technology

    There are many ways that retail technology can help your business thrive and grow. Many retail financing programs offer ways to upgrade your computer systems so you can save money and gain efficiency.

  • Payroll

    Leveraging retail financing can ensure you always have enough payroll to cover your employee hours.

Why Apply for a Retail Business Loan

Pay for Inventory

Retail business funding gives you the ability to add new products, buy your bestsellers in bulk, and keep your shelves stocked with inventory.

Invest in Marketing

Holidays and other large marketing campaigns cost retail businesses a lot of money. Using a retail loan can help you fund these before the money rolls in from sales.

Hire Sales Associates

Hiring qualified retail associates is critical before you even make a dime. Using retail financing can help.

Minimum Eligibility Requirements

When your retail business needs better cash flow or the ability to expand and grow, you may need a loan. Here are the requirements for getting a retail business loan from Fora Financial.

Minimum Requirements
Time in Business Minimum 6 Months
Business Annual Growth Revenue $180K+ Annual Revenue
Business Checking Account Yes
US Citizen/Based Company Yes
FICO Score 500+
Collateral None
Other Financing None
Bankruptcies None open

Better Your Business With Fora Financial

  • Expand Your Operations

  • Purchase Retail Technology

  • Have Funds for Payroll

  • Pay for Inventory

  • Invest in Marketing

  • Hire Retail Associates

What Fora Financial customers say

"We couldn't do it without the help of Fora Financial, and the people there are just tremendous. I highly recommend the financing program to anyone that needs it.”

John Bogonis, Owner / Carlisle Bakery, Carlisle, PA

“The integrity and relationship is extremely strong, really appreciated the way Fora Financial worked with us and it was such a positive experience for my company and for myself.”

Rodney Thomas, Owner / Thomas and Herbert Consulting

"I didn't have any capital or line of credit to start with, so I applied to Fora Financial for a loan. The team was easy to work with. Fora's products can help small businesses weather ripples in the economy that might otherwise be a serious problem."

Debra Heim, Very Best Little Hairhouse, Sharon, PA

“With Fora Financial, he was able to get an approval with minimal paperwork and the financing he needed within 3 business days.”

Juan Manuel Perez, Restaurant Owner / Pita Grill, New York, NY

“The process at Fora Financial was quite transparent, you know what you were getting into, quite honest, actually very easy and as I grew and took more advances, the terms got better.”

Dickson Shreffler, Owner / Sleepy Poet Antique Mall, Charlotte, NC

“There's no such thing as cut and dry any more, it doesn't work that way and Fora Financial was able to do that and they are still able to do that today. I hope we can continue this relationship for years to come.”

Russell Bobo, Owner / Bobo Engineering Incorporated

“True to their word, Fora Financial provided substantial funds that allowed us to get some very nice jobs.”

Ed Campany, Owner / Campany Roof Maintenance, West Palm Beach, FL

“Fora Financial provides better banking in general.”

Ismael Lopez, Owner / PR Wraps, Miami, FL

“When Fora Financial offered the opportunity to provide us with capital, we jumped right on it. We thought it was a win-win situation. It makes sense.”

Joseph Pou, Owner / J&J Pool and Beach Services

“If it wasn't for Fora Financial I don't know if we would have made it through the summer.”

Carl Busset, Owner / The 19th Hole at the Saints, Port St Lucie, FL

"Thanks to the working capital I received from Fora Financial, I was able to retain my employees during a challenging time. Applying was easy and the turnaround time was great!"

Denise Barron, Proprietor / Growing Patch Learning Center, Pittsburgh, PA

Retail Financing FAQ

Getting a retail store loan looks different for every business owner. Some of the types of retail loans include cash advances, revolving credit, SBA loans, and more.
Applying for retail financing requires all your business financial information. Once you compile tax, income, expense, and other information, you can use them to apply for a retail loan.
A retail lender specializes in offering retail business loans to entrepreneurs. These lenders offer multiple options that can help business owners succeed.
Retail loans are important because they give retail stores the cash flow they need to cover payroll, leases, inventory, and to expand when needed.
It is a legally binding contract between the bank or lending institution and the retail business. This document lays out all the details for a retail business loan.

What Sets Us Apart from the Rest

Get Financing Today

Get started with your application and join Fora Financial's family of forward-thinking businesses.