Funding built for footfall, stock and seasonal peaks
Working capital and equipment finance for retailers managing stock cycles, seasonal peaks and the shift to online and omnichannel selling.
Finance built around retail's trading calendar
Retail cash flow moves with the seasons and with stock cycles — we work with lenders who structure finance around peak trading periods rather than a flat monthly schedule.
Offset rising interest rates
Manageable, fixed monthly repayment plans that keep borrowing costs predictable even as rates move.
Smooth out irregular cash flow
Repayment structures built around your business's income cycle, not a rigid monthly schedule.
Refinance owned equipment
Release capital tied up in assets you already own to reinvest in the business.
Invest in growth
Stay competitive and productive with the equipment or capacity you need, without a large upfront outlay.
of UK SMEs funded through a commercial finance broker had previously been declined funding elsewhere. Source: NACFB Industry Report, 2024.
What we help fund
From stock financing to store fit-out, here's what we typically help fund for retail businesses.
Stock & inventory investment
Working capital to buy stock ahead of peak trading periods.
POS & payment systems
Point-of-sale and payment infrastructure for in-store and online sales.
Shopfitting & display equipment
Shopfitting and display equipment to refresh your retail space.
Warehousing & fulfilment equipment
Equipment to support order fulfilment and stock storage.
Store refurbishment & new openings
Fund a refurbishment or the opening of a new store.
E-commerce & logistics infrastructure
Infrastructure to support online sales and delivery.
Finance solutions built for retail
A snapshot of the products our panel most commonly arranges for clients in this sector — see the full range on our funding options page.
Business Loans
Simple, scalable finance for any business purpose
Learn moreInvoice Finance
Turn unpaid invoices into working capital today
Learn moreMerchant Cash Advance
Funding that flexes with your card revenue
Learn moreBusiness Cash Advance
Revenue-based cash advance with flexible repayments
Learn moreRefinance & Consolidation
Release equity and simplify your repayments
Learn more- Buying stock ahead of a seasonal sales peak
- Smoothing cash flow through quieter trading months
- Opening a new store or refreshing an existing one
- Repayments linked to sales rather than a fixed monthly amount
Retail finance, answered
Sector-specific questions we hear most often from businesses like yours.
Yes. A business loan or cash advance can fund stock purchases ahead of peak trading, with repayments that can be structured around expected sales.
Find the funding built for your business
Speak to a funding specialist today, or check your eligibility online in under a minute — no cost, no obligation.