Can I get funding to buy inventory for the holiday season?

Yes. Our lines of credit and working capital products are perfect for seasonal inventory purchasing. Draw funds when you need them and repay as sales come in.

Do you fund e-commerce businesses without a physical store?

Absolutely. We fund online-only retailers, Amazon sellers, Shopify stores, and all e-commerce businesses with at least $8K in monthly revenue.

How does revenue-based repayment work for retail?

Instead of fixed monthly payments, repayment is tied to a small percentage of your daily sales. When sales are high, you pay more. When they dip, payments decrease automatically.

I was turned down by my bank. Can Slate still help?

Yes. We approve 95% of retail applications. Our criteria focus on your actual bank deposits and revenue, not traditional credit metrics that banks obsess over.

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Business Funding for Retail & E-Commerce

Inventory financing, marketing capital, and growth funding for retail businesses. Flexible terms aligned with your sales cycles.

Get Funded Now Find My Loan Match

No Obligation

No Collateral

2-Minute App

$89K

Avg. Funded Amount

95%

Approval Rate

24 hrs

Avg. Funding Time

3,100+

Retailers Funded

Why Retail & E-Commerce Businesses Choose Slate Financial

Retail and e-commerce businesses live and die by inventory. You need capital to stock shelves before peak seasons, launch marketing campaigns, and invest in technology — but revenue is not always predictable. Slate Financial provides fast, flexible funding that aligns with retail cash flow cycles so you can buy inventory when prices are low and sell when demand is high.

Common Challenges

Inventory must be purchased well before peak selling seasons

Customer acquisition costs keep rising year over year

Fixed overhead (rent, utilities, staff) during slow months

Competitors invest heavily in tech and logistics

Banks view retail as high-risk and reject most applications

How We Help

Revolving lines of credit for inventory purchasing

Fast MCAs to fund marketing campaigns and promotions

0% intro APR credit cards for expense management

Term loans for store expansion and renovation

Revenue-based repayment that flexes with your sales

Common Funding Needs

What Retail & E-Commerce Businesses Use Capital For

Inventory purchasing for peak seasons

Digital marketing and advertising campaigns

Store renovation and buildout

E-commerce platform and technology upgrades

Working capital during off-peak months

Best Funding Options for Retail & E-Commerce

Matched to your industry's unique needs and cash flow patterns

Lines of Credit

$10K – $1M

24–48 hours

Flexible revolving credit lines — draw what you need, when you need it, and only pay interest on what you use.

Draw on-demand Revolving credit Only pay interest on what you use

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Merchant Cash Advance

$5K – $2M

24 hours

Fast working capital based on your future sales. Get funded in as little as 24 hours with minimal paperwork.

Approval based on revenue, not credit No fixed monthly payments Same-day decisions

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Term Loans

$25K – $5M

24–72 hours

Fixed-rate business term loans with predictable payments and competitive rates for established businesses.

Fixed monthly payments 1–5 year terms Competitive rates

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0% Interest Business Credit Cards

$50K – $250K

7–14 business days

Access $50K–$250K in 0% intro-APR business credit cards, with a soft pull to pre-qualify and approval based on your personal credit.

0% APR intro period (12–21 months) No collateral required No revenue requirements

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How It Works

Get Funded in 3 Simple Steps

STEP 01

Apply Online

Complete our simple 2-minute application. No paperwork, no hidden fees.

STEP 02

Get Matched & Approved

Our team matches you with the best products for your industry and gets you approved in as little as 4 hours.

STEP 03

Receive Your Funds

Funds are deposited directly into your business account within 24 hours of approval.

Why Slate Financial

Built to Get You Funded

AI-Powered Underwriting

We match your profile to the right capital fast, with no guesswork.

Licensed in All 50 States

Nationwide coverage so we can fund businesses wherever you operate.

15+ Loan Products

From lines of credit to commercial real estate, matched to your needs.

Funding in as Little as 24 Hours

Move quickly once you're approved, without drawn-out paperwork.

We Never Sell Your Data

Your information stays with us and is used only to fund your business.

States licensed

24hr

Funding speed

$50M

Max deal size

6,000+

Capital sources

FAQ

Retail & E-Commerce Funding Questions

Get Funded for Your Retail & E-Commerce Business

Join thousands of retail & e-commerce businesses that trust Slate Financial. Apply in 2 minutes. Get funded as fast as 24 hours.

No Obligation

No Collateral Required

Same-Day Decisions

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