🛍️ Retail Loans

Retail Business Loans
Built for Store Owners

Inventory gaps, seasonal slowdowns, and store upgrades can't wait for a 90-day bank decision. Caply gets retail businesses funded fast — so your shelves stay stocked and your doors stay open.

Get Funded Now — No Credit Impact
$10k–$2M Available Funded in 24–48 Hours No Credit Impact 50+ Lenders

Why Retail Business Owners Choose Caply

Built for the cash flow cycles of retail businesses.

📦

Inventory restocking

Stock shelves before peak season without draining cash.

🛒

New location buildout

Finance fixtures, shelving, and retail space improvements.

📣

Marketing & promotions

Fund seasonal campaigns and holiday advertising.

💳

POS & tech upgrades

Modernize your systems without upfront capital.

📅

Slow season gaps

Cover payroll and overhead during low-revenue months.

🚀

E-commerce expansion

Fund your online store, ads, and fulfillment setup.

Funding Products Available to You

One application. Multiple competing offers. You choose what fits.

🚛

Equipment Financing

$25k–$2M | 2–5 days

Own the tools that win you bigger contracts. Finance trucks, heavy equipment, and specialty tools.

⚡

Working Capital Loan

$10k–$500k | 24 hrs

Cover payroll and materials while you wait on receivables.

💳

Business Line of Credit

$10k–$250k | Revolving

Draw funds when a job starts. Pay back when the client pays you.

📄

Invoice Factoring

Up to 90% of invoice | Same day

Turn unpaid invoices into immediate cash. Stop waiting on slow-paying clients.

See My Options — No Credit Impact

What Our Clients Say

★★★★★

"Q4 inventory used to stress me out every year. This year I used Caply to pre-fund my holiday stock in September. Best decision I've made as a business owner."

— Angela K., Gift Shop Owner, Austin
★★★★★

"I was losing sales because I couldn't keep shelves stocked. Caply approved me fast and the terms worked with my revenue cycle. Revenue is up 40% since I got funded."

— Carlos M., Electronics Retailer, Miami

Caply vs. The Bank

The Old Way (Bank)
The Caply Way
Invoice-to-payment gaps kill cash flow
✅ Bridge financing available same day
Banks don't understand project-based revenue
✅ Lenders built for your business model
Equipment loans take weeks
✅ Funded in 2–5 days
Miss jobs waiting for capital
✅ Say yes to every opportunity

Don't Let Cash Flow Stop Your Next Big Job.

One application. No credit impact. Funded in as little as 24 hours.

Apply Now — Takes 5 Minutes Talk to a Funding Advisor

Frequently Asked Questions

Everything you need to know before you apply.

What loans are available for retail businesses?
Working capital loans, lines of credit, equipment financing, and SBA loans — the best option depends on your use of funds and timeline.
How fast can a retail store get funded?
Working capital and lines of credit often fund within 24–48 hours. Equipment financing typically takes 2–5 days.
What can I use a retail business loan for?
Inventory restocking, seasonal gaps, new location buildouts, POS systems, marketing, or payroll during slow periods.
What credit score do I need?
Caply works with retail businesses with scores as low as 550. Monthly revenue and cash flow are often weighted more heavily.
Does applying affect my credit score?
No. We use a soft credit pull — zero impact to your score. A hard pull only happens if you accept a final offer.
Can I get a loan if my business is seasonal?
Yes. Our lender network includes specialists in seasonal businesses who can structure terms around your peak and slow seasons.

Still have questions? Start your free application — no credit impact, decision in minutes.