Capital for inventory, staffing, build-outs, and the seasonality every retailer knows. Available in all 50 states. Decisions in 24 hours.
Retail runs on seasons you can't control, inventory timed months ahead, and rent that doesn't care about your slow week. ShopFunders funds Q4 inventory loads, new store openings, build-outs, and seasonal cash crunches — with repayment structures built around retail's actual revenue swings.
Submit before noon, get a decision by end of day. Most banks take weeks — we commit to 24 hours, every time.
We fund based on your business's revenue. No home pledged, no personal guarantees, no liens on your assets.
Repayment that flexes with retail's seasonal swings — heavier in peak months, lighter during slow weeks.
Retail Owners face inventory buys timed to seasons you can't control, holiday staffing ramps, and rent that doesn't care about your slow month. Our funding is built for that — fast capital you can deploy for Q4 inventory loads, new store openings, fixtures and build-outs, or surviving a slow shoulder season.
Tell us about your retail or boutique business and how much capital you need. No credit check to apply.
Our underwriting team reviews same-day. We say yes fast — or tell you exactly what we'd need to get there.
Sign your term sheet, send your bank statements, and capital lands in your business account.
"Literally the best. The team at ShopFunder are professional and second to none when it comes to meeting or exceeding expectations."
"ShopFunder is A1! Helped so much!"
We fund retail and boutique businesses anywhere in the U.S. Pick your state to see local funding details, common use cases, and underwriting criteria.
Apply in about 2 minutes. No collateral. No credit impact to apply. Decision in 24 hours.
Apply Now →$10K–$500K+/month · No collateral · Funds in 24–72 hrs