Business funding for retail and boutique businesses.
Capital for inventory, staffing, build-outs, and the seasonality every retailer knows. Available in all 50 states. Decisions in 24 hours.
Built for retail and boutique businesses. Built for speed.
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.
Decisions in 24 hours
Submit before noon, get a decision by end of day. Most banks take weeks — we commit to 24 hours, every time.
No collateral, no PG
We fund based on your business's revenue. No home pledged, no personal guarantees, no liens on your assets.
Industry-specific structures
Repayment that flexes with retail's seasonal swings — heavier in peak months, lighter during slow weeks.
Capital that solves real retail or boutique business problems.
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.
Three steps. Zero runaround.
Apply in 2 minutes
Tell us about your retail or boutique business and how much capital you need. No credit check to apply.
Decision in 24 hours
Our underwriting team reviews same-day. We say yes fast — or tell you exactly what we'd need to get there.
Funded in 24–72 hours
Sign your term sheet, send your bank statements, and capital lands in your business account.
Real owners. Real reviews.
"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!"
Retail & Boutique funding FAQ.
Can I use this for Q4 inventory?
Do you fund boutique apparel, home goods, gift shops, and specialty retail?
Can I use this to open a second location?
How does repayment flex with seasonality?
Retail & Boutique funding in all 50 states.
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.
Capital that moves at your speed.
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
How retail store funding actually works
Retail is a timing business: you buy for the season months ahead, carry it on the shelf, and hope the sell-through matches the bet. Holiday inventory gets ordered in summer, a remodel that lifts traffic has to be paid for before the lift arrives, and a second location costs money long before its first sale.
Inventory and working capital fund the season's buy without starving operations; store capital covers remodels, fixtures, POS, and expansion. Repayment flexes with revenue — heavier when you're selling, lighter when you're not.
What retailers qualify for
Most retailers qualify for $10,000 to $2,000,000 based on monthly revenue — typically 3+ months in business and roughly $10,000+ per month. Recent business bank statements are all it takes to start, decisions arrive in about 24 hours, and funds typically land within 24–72 hours of accepting.