Capital for Licensed Firearms Dealers
Inventory financing, range construction, and growth capital for FFL holders who can't get a fair shake from traditional lenders.
- ✓ Soft credit check only — your score stays put
- ✓ Money in your account in about 24 hours
- ✓ Compare 30+ options with one application
2,400+ businesses fundedNo SSN required • Free quote in minutesTwo banks told me to come back next year. These guys had money in my account by Thursday.
Nobody pulled my credit, nobody played games. The offer they showed me is the offer I got.
Bought a second truck right before our busy season. It paid for itself in two months.
How much would actually help?
We build around your business.
No collateral required
We fund the business on its revenue — not your possessions.
Pay when you can
Repayment follows your actual sales — strong months pay more, slow months ease up.
Funded fast
Most owners see offers the same day and money within ~24 hours of signing.
Firearms Business Funding
Licensed firearms dealers face a financial landscape that most industries never encounter: major banks and payment processors have systematically debanked the firearms industry through policies like Operation Choke Point and its informal successors. Despite being a fully legal, federally regulated industry with $28+ billion in annual sales, FFL holders routinely find their bank accounts closed, merchant processing terminated, and loan applications denied solely because of their industry classification.
Granton Hale Capital believes that legal businesses with valid federal firearms licenses deserve access to the same financial products as any other retailer. We fund FFL holders, including gun stores, sporting goods retailers with firearms departments, indoor and outdoor ranges, gunsmith shops, and manufacturers with FFL/SOT licenses. We evaluate your business based on sales volume, inventory turnover, and customer demand, not political considerations.
Our firearms industry clients use funding to purchase inventory ahead of demand surges, build or renovate indoor shooting ranges, upgrade security systems required by ATF compliance, and expand into adjacent services (training, gunsmithing, cerakote) that increase per-customer revenue.
The funding gaps we close.
Banking and Payment Processing Discrimination
Major banks and processors (Stripe, Square, PayPal) refuse to serve firearms businesses. Finding and maintaining banking relationships, merchant processing, and access to capital is a constant struggle unique to this industry.
Demand-Driven Inventory Surges
Firearms sales spike dramatically around elections, legislative proposals, and social events. Distributors require COD or short terms during high-demand periods, exactly when you need maximum inventory to capture sales.
Range Construction and Maintenance Costs
Building an indoor range costs $500K-$2M+ for ventilation, bullet traps, ballistic containment, and sound attenuation. Operating ranges require ongoing HVAC maintenance and lead mitigation that create significant operating expenses.
ATF Compliance and Security Requirements
ATF-mandated security measures (alarm systems, video surveillance, secure storage), record-keeping requirements, and compliance audits create costs and administrative burden that other retailers don't face.
Funding built for your work.
Fund inventory purchases during demand surges, cover operational expenses, and manage cash flow in an industry where banking access is unreliable.
Finance range ventilation systems, bullet traps, security systems, display cases, and gunsmithing equipment.
Structured financing for range construction, store buildouts, and facility renovations.
Revolving credit for managing variable inventory purchasing, draw funds when distributor allocations become available and repay as products sell.
Your funding in three steps
Apply online
- 60-second form, plain questions
- No SSN, no hard credit pull
- Bank-level encryption
Compare real offers
- Every option, side by side
- Same-day decisions
- Free to look — no obligation
Get funded
- Funded within ~24 hours
- No hidden fees, ever
- Built around your needs
What owners do with it.
Purchase firearms and ammunition from distributors when demand spikes, election cycles, legislative activity, and seasonal hunting demand create time-sensitive buying opportunities.
Fund the construction or upgrade of an indoor shooting range, including ventilation, bullet traps, and acoustic treatment, a high-margin revenue center.
Install or upgrade alarm systems, video surveillance, secure storage, and access control to meet ATF compliance standards.
Fund concealed-carry training programs, gunsmithing operations, cerakote finishing, and other services that increase revenue per customer.
Owners just like you — funded.
Real businesses, real outcomes. Names and details changed for privacy — the numbers are typical of funded files.
Fair questions, straight answers.
01Will you actually fund a firearms business? We've been turned away everywhere.+
Yes. We actively fund licensed firearms dealers (FFLs), shooting ranges, gunsmiths, and firearms manufacturers. We do not discriminate against businesses based on their legal industry classification. A valid FFL and consistent revenue are the primary requirements, not an industry that matches some bank's internal policy preferences.
02Do I need an FFL to apply?+
For firearms-specific funding, yes, we require a valid Federal Firearms License. We verify your FFL status and ATF compliance as part of underwriting. Sporting goods retailers with firearms departments need the appropriate FFL type for their operations.
03Can I finance range construction?+
Yes. Indoor range construction is one of the most common large-scale investments our firearms clients make. We can structure term loans to cover ventilation systems, bullet traps, ballistic containment, acoustic treatment, and lane equipment. We understand the specialized nature of range construction and don't treat it as a generic retail buildout.
04How do demand surges affect my ability to get funded?+
Demand surges actually strengthen your application. Higher sales volume during peak periods demonstrates strong revenue potential. We recommend establishing a line of credit or working capital relationship before the next surge so you can immediately deploy capital when distributor inventory becomes available.
See your numbers first. Then decide.
- ✓ Pre-qualify in 60 seconds
- ✓ No obligation, no pressure calls
- ✓ Real people behind every file — 100% online