Industry Solutions
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.
Check Your EligibilityOverview
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.
Challenges
Industry Pain Points We Solve
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.
Solutions
Funding Options for Your Business
We match you with the funding product that best fits your industry and specific needs. View all solutions
Working Capital
Fund inventory purchases during demand surges, cover operational expenses, and manage cash flow in an industry where banking access is unreliable.
Equipment Financing
Finance range ventilation systems, bullet traps, security systems, display cases, and gunsmithing equipment.
Term Loans
Structured financing for range construction, store buildouts, and facility renovations.
Lines of Credit
Revolving credit for managing variable inventory purchasing — draw funds when distributor allocations become available and repay as products sell.
Use Cases
How Our Clients Use Funding
Stock Inventory for Demand Surges
Purchase firearms and ammunition from distributors when demand spikes — election cycles, legislative activity, and seasonal hunting demand create time-sensitive buying opportunities.
Build or Renovate an Indoor Range
Fund the construction or upgrade of an indoor shooting range, including ventilation, bullet traps, and acoustic treatment — a high-margin revenue center.
Upgrade ATF-Required Security Systems
Install or upgrade alarm systems, video surveillance, secure storage, and access control to meet ATF compliance standards.
Expand into Training and Services
Fund concealed-carry training programs, gunsmithing operations, cerakote finishing, and other services that increase revenue per customer.
FAQ
Frequently Asked Questions
Will 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.
Do 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.
Can 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.
How 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.
Ready to Get Funded?
30-second application. No hard credit pull. Decisions in as little as 3 hours.
Check Your Eligibility