Industry funding
Funding for retail & specialty stores
Typical advances of $10,000 – $200,000, underwritten on your deposit history rather than your credit file.
Retailers use merchant cash advances to buy inventory ahead of a selling season, fund a store refit, or cover rent during a slow quarter. Underwriting considers business performance, deposit history, cash flow, and other applicable factors, allowing GLD to evaluate the overall performance of the business.
Common uses in retail
- Seasonal inventory buys
- Store refit or relocation
- Point-of-sale and systems upgrades
- Marketing pushes before peak season
- Covering rent through a slow quarter
Why underwriting understands this trade
Every industry has a cash-flow shape, and a bank's credit model tends to read that shape as risk. A retailer's deposits swing with the selling calendar — a strong Q4 can sit next to a quiet February.
We have funded this trade for years, so the pattern reads as normal rather than as a red flag. That is the practical difference between applying here and applying to an institution that has never underwritten your sector.
What to expect
Advances for retail & specialty stores typically run $10,000 – $200,000, with terms of 3 to 18 months and remittances collected daily or weekly.
Cost is expressed as a factor rate. Your own rate depends on underwriting, and every offer comes with a written disclosure of the total dollar cost.
See what your business may qualify for
Answer a few simple questions to get started. No credit inquiry during the eligibility check.
From this industry
Owners we've funded in retail.
Individual results vary. Testimonials reflect the experience of specific clients and are not a guarantee of approval, terms, or outcome.
Questions
Retail funding, answered.
How much funding can a retail business get?
Retail & specialty stores may qualify for $10,000 – $200,000 at GLD Factoring LLC DBA GLD Funding. The amount is driven by average monthly deposits rather than credit score.
How fast can a retail business get funded?
Once we have a complete file, underwriting moves quickly and same-day funding is available on signed contracts. Actual timing depends on underwriting and your bank.
What do I need to apply?
4 months of recent business bank statements, plus basic business and owner details, to get started. Additional documents may be requested if your file needs them.
Do I need good credit?
We look beyond just a credit score. Underwriting reads business performance and cash flow to understand how the business actually moves money. A prior bank decline does not determine the outcome here.
Other industries
We fund these too.
Ready to see your range?
Advances from $10,000. Answer a few simple questions to get started.