Capital for inventory, staffing, build-outs, and the seasonality every retailer knows.
California is the largest small-business market in the country — and the most competitive for fast capital. Whether you're operating in Los Angeles, San Francisco, and San Diego or anywhere across California, we underwrite based on your business's revenue and trajectory — not your zip code.
Built for California's retail & boutique operators who need capital that moves.
Submit before noon, get a decision by end of day. Most lenders take weeks — we commit to 24 hours.
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.
California 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.
"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!"
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 California business account.
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