Inventory and Growth Capital for Retail
Stock shelves, renovate stores, and expand locations with funding designed for the inventory-heavy, margin-sensitive world of retail.
- ✓ 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.
Retail Business Funding
Retail businesses are inherently inventory-dependent: your revenue is locked in the products sitting on your shelves and in your stockroom. Ordering too little means empty shelves and lost sales; ordering too much ties up capital that could fund marketing, staffing, or store improvements. This constant balancing act is compounded by seasonal demand swings, vendor payment terms, and the pressure of competing with well-capitalized national chains.
Granton Hale Capital funds retail operators across every category, convenience stores, grocery stores, boutiques, specialty retailers, and multi-location chains. We evaluate your business based on point-of-sale data, inventory turnover, and gross margin trends rather than just personal credit. A store doing $50K per month in card sales with healthy turns is a strong candidate regardless of what a credit report says.
Whether you need to bulk-purchase inventory before a seasonal rush, renovate a storefront to improve foot traffic, install new POS and security systems, or open a second location, we structure funding around retail cash-flow cycles and repayment terms that work with your margin structure.
The funding gaps we close.
Inventory Purchasing Pressure
Vendors require upfront payment or short Net-15 terms, but products may sit on shelves for weeks before selling. Seasonal inventory requires even larger upfront commitments months before peak demand arrives.
Thin Margins and Rising Costs
Retail margins of 2-8% (grocery) to 30-50% (specialty) leave little room for error. Rising supplier costs, shipping expenses, and minimum wage increases can eliminate profitability without quick operational adjustments.
Competition from E-Commerce and Big Box
Independent retailers must invest in store experience, marketing, and convenience features (curbside pickup, delivery) to compete, all requiring capital that tighter margins make difficult to accumulate organically.
Store Renovation and Maintenance
Aging fixtures, outdated layouts, and worn flooring drive customers to competitors. Store refreshes typically cost $50K-$250K but can increase revenue 15-30%, a strong ROI if you can fund the investment.
Funding built for your work.
Fast capital for inventory purchases, seasonal staffing, and operational expenses with repayment terms of 3-18 months.
Structured financing for store renovations, new location build-outs, and major capital improvements.
Revolving credit for inventory purchasing, draw funds when placing orders and repay as products sell through.
Finance POS systems, refrigeration units, display fixtures, security systems, and other retail equipment.
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.
Stock up on holiday merchandise, back-to-school supplies, or seasonal products at volume discounts before the rush begins.
Update signage, fixtures, lighting, and layout to increase foot traffic, improve customer experience, and boost average transaction size.
Fund the lease deposit, build-out, initial inventory, and staffing costs of expanding to a new neighborhood or market.
Invest in a website, order management system, and delivery infrastructure to serve customers beyond your physical footprint.
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.
01Do you fund convenience stores and grocery stores?+
Yes. We fund convenience stores, grocery stores, specialty food retailers, and general merchandise stores. We understand the low-margin, high-volume dynamics of these businesses and structure terms accordingly, including shorter repayment periods that align with fast inventory turnover.
02Can I get funding to stock up before the holiday season?+
Absolutely. Seasonal inventory financing is one of the most common reasons retail clients work with us. We recommend applying 60-90 days before your peak season so capital is available when vendor orders need to be placed.
03What POS data do you need for my application?+
We can work with processing statements from any major POS system, Square, Clover, Toast, Lightspeed, Shopify POS, or traditional merchant processing statements. Three months of statements is typically sufficient for underwriting.
04Do you require a lien on my inventory?+
For most working capital products, we do not place liens on inventory or business assets. Equipment financing is secured by the specific equipment purchased. Our primary underwriting criteria is your revenue and business performance, not collateral.
Related industries
See your numbers first. Then decide.
- ✓ Pre-qualify in 60 seconds
- ✓ No obligation, no pressure calls
- ✓ Real people behind every file — 100% online