Retail Business Finance

Stock finance allows a retailer to purchase inventory today and repay the facility as goods are sold. This is particularly powerful for seasonal retailers who need to commit to large orders months ahead of the selling season - Christmas stock in August, summer ranges in February. Facilities are structured as revolving lines, so repaid funds immediately become available again for the next order cycle. We arrange stock finance from £25,000 to £2m+ depending on the retailer's size and the nature of goods financed.

For card-taking retailers, the merchant cash advance is often the fastest and most flexible product. Repayments flex automatically with card revenue - higher in peak periods, lower in quiet months. No security required, decisions typically within 24 hours, and funds within 48. Particularly suited to independent retailers who may not qualify for mainstream bank lending due to thin margins or variable profitability.

A revolving credit facility operates like an overdraft but typically with better rates and higher limits than a bank overdraft will allow. You draw what you need, repay when cash comes in, and the facility resets. Ideal for managing the day-to-day working capital cycle in retail. Facilities from £25,000 to £500,000 available unsecured for qualifying businesses.

Shopfitting, EPOS systems, refrigeration, shelving, warehouse racking, delivery vehicles, and e-commerce fulfilment equipment can all be financed through hire purchase or leasing. Spreading the cost preserves working capital for stock - the asset that drives revenue - rather than locking it into fixed equipment.

Opening a second or third site requires leasehold deposits, shopfit costs, opening stock, and staffing - all before a single sale is made. Expansion finance provides the bridge between the trading cash flow of existing sites and the capital needed to launch new ones. Secured against property or business assets where available; unsecured options for businesses with strong trading histories.