Inventory costs are rising
You need capital to stay stocked with the products your customers want. With inflation, the costs are increasing.
Small Retail Business Loans
Get the cash you need for everyday expenses, payroll, and more.
Read MoreRetail Business Loans
Your retail business needs capital. You may need to cover cash flow gaps, purchase new inventory, upgrade your space or tackle the many other expenses you face daily.
Now, there’s a better way to get the funding you need. SpringFi offers retail business loans and funding solutions designed to support your goals. We help your business move forward with fast loans for retail business owners and flexible merchant cash advances.
Struggling to Keep up With Retail Demands?
Operating a retail business comes with ongoing financial pressure, especially due to the following factors:
Foot traffic can fluctuate
Seasonal changes in consumer habits can make it challenging to meet recurring expenses like payroll and rent.
Traditional loans take too long
Banks may require perfect credit and lengthy paperwork, adding to your stress.
Quick Business Funding
SpringFi provides same-day loans for retail businesses, along with retail business cash advance options that put working capital in your hands quickly. Whether you are managing a single storefront, multiple stores or an e-commerce platform, we make it easy to apply. Just send your recent bank statements and credit card information — no collateral or tax returns are required. Many applicants receive approval in 60 minutes or less.
How to Apply
How do retail business loans work? Applying for a retail business loan has never been easier.
Apply
Submit your application securely in minutes.
Connect
We’ll discuss the right financing option for you.
Fund
Receive financing and start growing your business.
Why Retailers Choose SpringFi
Small businesses choose us for:
- Speed and flexibility: With our same-day funding, you never have to wait, and you can quickly shift your focus to making more sales.
- High approval rates: We can help you qualify, even if you don’t have perfect credit or stacks of financial documents.
- Human support: Your dedicated account managers walk you through every step, making sure your questions are answered.
Whether you’re recovering from an unexpected expense or seizing a growth opportunity, SpringFi is here to help. Our merchant cash advance for retail business owners lets you secure funding now and use a percentage of your sales for repayment. Or, choose our fast business financing with flexible terms.
Apply for Retail Business Funding Today
Get the funding you need with SpringFi — on your terms. No hidden fees. No complex paperwork. SpringFi’s retail business loans and funding options are designed to support your success.
When you need money fast to support your retail business but don’t have reams of financials, lots of collateral or perfect credit, find out how we may be able to help. Apply now, fill out our contact form or call 929-460-9727 to get started.
Quick solution with minimal documentation.
They are based off of your business cash flow without the needs of any asserts or collateral. having a low credit score or tax susses is not a deal breaker.
What Clients Say About Us
Frequently asked questions
If you have a question regarding a loan then we are here to help.
There are no restrictions on the usage of your funds. Once you’ve received funding, you can use it to grow your business as you see fit.
The first step to receiving funding is filling out our online application. Once filled out, we’ll get in touch with you to discuss your financing options. Depending on your business needs, you may be eligible to receive funding with the documentation provided in your application. In the case a financing option requires additional documentation, we’ll let you know. Once you’re approved, you can expect financing in as little as 24-48 hours.
Your credit score isn't a deal breaker — our underwriting team makes financing decisions based on your business cash flow.
Once your application and bank statements are submitted, it only takes 4-10 hours to receive a decision from underwriting. If you accept the offer, we can have the funds in your account in as little as 24 hours.
Typically, we can help you finance 100% to 200% of your average monthly gross deposits.
Once approved, you’ll receive funding in a few hours. Normally, we can fund within 24 hours of receiving the application and banking statements.
No, in some cases, you may receive discounts for early loan payments.
Yes, we can work with you to discuss your options and consolidate your loans if needed.
SpringFi empowers small businesses with access to the financing they need to grow and prosper. Take your next step toward realizing your business dreams. Contact us online to learn more about our same-day business loans or call 347-778-5195 to speak with one of our dedicated funding experts.