Retail often need capital for payroll, inventory, equipment, repairs or seasonal gaps. We match your file with funders that review retail.
Common options
Merchant Cash Advance
An advance against future card and bank deposits, repaid as a share of revenue. Often used by businesses with steady sales that need capital quickly.
Working Capital
Short-term business funding for payroll, inventory, rent and day-to-day operating costs.
Business Line of Credit
A revolving credit limit you draw from as needed and pay interest or fees only on what you use.
Equipment Financing
Funding to buy or lease equipment, where the equipment typically secures the financing.
Invoice Factoring
Turn unpaid B2B invoices into cash by selling them to a factoring company at a discount.
Revenue-Based Financing
Capital repaid as a percentage of future revenue, so payments flex with your sales.
Requirements
- At least 12 months in business
- $25,000+ per month in business bank deposits
- Recent business bank statements (usually the last 3–4 months)
- No open defaults on existing advances
UrLendr connects business owners with independent funding providers. Funders make all approval decisions and set all terms. Approval is not guaranteed.
Frequently asked questions
Do funders work with retail?
Yes, many funders review retail. Approval depends on deposits, time in business and existing balances.