Retailer Funding
Small retailers account for 98% of all retail businesses in the USA. Stay ahead of the competition and grow your retail store with up to $500,000 in funding from NextGen Capital in as little as 24 hours.
Fast, Easy Retailer Funding You Can Trust
Securing the working capital your retail store needs from a traditional lender can be challenging. The process may take weeks or months, and many applications are denied because banks often view retailers as “high risk” due to fluctuating consumer demand, economic sensitivity, and intense competition.
As an alternative lender, NextGen Capital can approve more retail store funding than traditional lenders, often within just one business day. We offer a variety of small business funding options to help grow your retail business, with alternative retailer loans ranging from $3,000 up to $500,000. We fund all types of retail businesses, including salons and spas, specialty stores, clothing stores, convenience stores, and more.
Retail Store Funding Solutions
will help you achieve your goals without compromising your business’s cash flow.
Merchant Cash Advance
You get working capital when you need it. We’ll receive a percentage of your daily or weekly credit card sales until the advance is repaid.
Invoice Factoring
Sell us your pending invoices in exchange for the net amount in cash. You’ll receive the balance of the invoices’ value when we receive payment (minus our fee).
Collateral Loan
A secured loan that uses commercial real estate to reduce risk. Because the loan is secured, you may be approved for larger loan amounts with lower rates and fees.
Business Line of Credit
Borrow as much or as little as you need without the obligation of a fixed term loan. Draw and repay as you go, and only ever pay interest on the amount you've borrowed.
How to use Retailer Funding
There are no restrictions in place on how you can use your funds. Retailer Funding is ideal for supporting your business’ revenue, furthering your commitment to the community, and helping more patients. Use your funding to:
- Develop or enhance services
- Purchase necessary equipment and devices that help patients communicate with caregivers
- Hire and train staff to provide high-quality care
- Expand your geographic reach by increasing your marketing efforts
- Hiring additional personnel in new areas of operation
- Obtain proper licenses and certifications
- Develop an online booking system for your services that can be accessed at any time
Will You Qualify for Retailer Funding?
Exact qualification requirements depend on the type of retail store funding you are seeking. Approval for retailer funding from NextGen Capital isn’t based solely on your credit score or financial history. Instead, we focus on the overall health of your retail store, including:
- Business revenue
- Cash flow
- Vendor payment history
- Years in business
- Public records
How Retailer Funding Works:
Retailer Funding Q&A
You can secure funding from traditional lenders like the SBA or a bank, as well as from alternative lenders like NextGen Capital. Alternative lenders have more flexible approval requirements and consider the overall health and potential of your business—not just your credit score. They also offer revenue-based financing options, such as merchant cash advances, which are ideal for businesses with lower credit scores.
We have a simple application process with same-day funding available. To get started, fill out our one-page application form or speak with a Funding Advisor.
Most traditional banks view retail businesses as high-risk due to factors like unpredictable consumer demand, economic fluctuations, and high competition. Because of this, many banks may not approve funding for retail stores.
Yes, as an alternative lender, we have different approval requirements and can provide funding for “high-risk” industries. We can offer the funds you need to cover project expenses, labor, materials, and more—often in less than 24 hours.
