Stock the shelves before the customers show up
Retail means paying for inventory months before you sell it. A line of credit lets you buy for the season ahead and pay it back as it sells.
- Buy holiday and seasonal inventory early
- Cover rent and payroll in slow months
- Refresh fixtures and displays
The inventory squeeze every shop owner knows
Your best months depend on buying right, and buying right means paying vendors well before the busy season. That leaves a stretch where cash is tied up on the shelves.
Boutiques, specialty shops, hardware stores, gift shops and other retailers use a Flex Credit Capital line to place bigger orders, take vendor discounts and get through the quiet weeks.
Common uses
- Placing holiday and back-to-school orders
- Taking vendor discounts for early payment
- Covering rent and payroll in January and February
- Updating the store or adding online sales
The basics we look for
If your business checks these boxes, it’s worth a few minutes to apply.
We look at how your business is actually doing, mostly through your recent bank statements. Your credit score matters less here than it does at a bank.
- Time in business6 months or more
- Monthly revenue$15,000 or more
- Business bank accountRecent statements
- LocationU.S.-based business
- CollateralNot required
Questions from retail owners
Can online-only stores apply?
Yes. Online sellers can apply too. See our e-commerce page for more.
Does my inventory count as collateral?
No. We don’t require collateral, including inventory.
When should I apply before the holidays?
A month or two ahead is ideal, so the line is ready when your vendors need to be paid.
See what your business qualifies for
Tell us what you need the money for and how much. A funding advisor will follow up with real numbers, usually the same day.