Business Funding for Retail Stores & E-Commerce
Inventory needs to be purchased before the holiday rush. Rent is due regardless of sales. VACA Funding provides fast funding for retail stores, e-commerce businesses, and wholesale operations.
Get Pre-Approved in Minutes
$2M
Max Funding
24 hrs
Funding Speed
95%
Approval Rate
500+
Min. Credit Score
Why Retail Businesses Need Alternative Funding
Retail businesses face unique cash flow challenges — you need to purchase inventory months before peak seasons, manage fluctuating sales, and maintain storefronts. Traditional banks often struggle with the seasonal nature of retail, making alternative funding essential for growth.
Best Funding Products for Retail Businesses
Merchant Cash Advance: Get immediate capital repaid as a percentage of daily card sales. Perfect for retail stores with variable seasonal revenue.
Inventory Financing: Purchase inventory for peak seasons without depleting your cash reserves.
Working Capital Loans: Cover rent, payroll, and operational expenses during slow periods.
Store Expansion Financing: Open new locations or renovate existing stores to drive more traffic.
Retail Funding Qualifiers
- 3+ months in business
- $10,000+ monthly revenue
- Active business bank account
- Credit score 500+
- US-based business
- No open bankruptcy