Program & Play.
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For retail operators

Inventory, fixtures,
and the season ahead.

Revenue-based funding — also called a Merchant Cash Advance (MCA) — sized to your card sales and repaid as a small slice of daily deposits. Buy inventory ahead of the rush, open the next store, press on what's working.

Check eligibility →See if you qualify

Same-day decisions · No impact to credit · $5K – $1M+

Why MCA works here

Why retailers use revenue-based funding.

Sharp seasonality, inventory deposits, and channels that scale only when you push cash into them. MCA flexes with sales so the busy quarter pays the bill down faster.

Inventory purchases & restocks

Bulk buys, supplier minimums, container deposits. Capital in days lets you take advantage of vendor terms instead of stretching net-30 and missing the better unit price.

Seasonal stocking

Holiday, back-to-school, summer rush — the cash to stock heavy in October so December sells. Revenue-based repayment flexes with sales, so you pay back faster when the season hits.

Store buildout & fixtures

New store opening, second location, refresh of fixtures and signage, POS upgrade. MCA pairs well with equipment financing when the project mixes one-time capex with ongoing working capital.

Marketing & ecomm scale-ups

Paid acquisition for ecomm, influencer pushes, agency retainers, Shopify Plus migration. Fast capital so you can press on a working channel without waiting for next quarter's cash.

Qualification

What lenders look for.

Underwriting varies across our partner network, but retail deals are typically evaluated against a similar set of signals.

  • At least 6 months in business — most partners prefer 12+

  • Monthly gross revenue of $10K+; $25K+ widens the field

  • $10K+/mo card sales (Stripe, Shopify, Square, Toast, etc.)

  • Single or small multi-unit; brick-and-mortar or hybrid B&M + ecomm

  • Personal credit 500+ workable; 600+ improves terms

  • US-registered entity with active business checking

If a deal doesn't fit one partner, we match to another. One application, many shots on goal.

Deal structure

Typical retail deal.

Retail MCA deals in our network typically range from $10K to $300K, with the bulk landing between $25K and $150K. Factor rates run from roughly 1.18 to 1.49 depending on time in business, processor consistency, and credit profile.

Repayment is generally over 3 to 15 months via fixed daily or weekly ACH debits, or via a percentage of card sales held back automatically (split-funding) when the processor supports it. Card-heavy retailers often prefer split — it flexes naturally with the season.

$10K – $300K

Typical funding range

3 – 15 mo

Term length

% of card sales

Repayment style

Documents

What you'll need.

Nothing to start a Program & Play application — but once a partner is interested, expect to share the following at the underwriting stage.

  • Last 3 months of business bank statements

  • A voided business check

  • Driver's license or government-issued ID

  • Proof of business ownership (EIN letter, formation docs)

  • Recent merchant processing statements

Retail FAQ

Common questions.

Other industries we serve

Explore more funding programs.

Restaurants

Trucking

Construction

Healthcare

Auto repair

Ready when you are

Ready to find your lender match?

One application. Multiple lenders. No impact to your credit score.

Check eligibility →See if you qualify