Working capital for retail stores and e-commerce sellers.
Stock up for peak season, refresh your storefront, or open a second location with $10K to $2M and a same-day decision.
What retailers use funding for.
Retail runs on inventory timing. The stock you need for Q4 has to be paid for in Q3, and a slow spring can leave you short right when suppliers want deposits. Workable Funding looks at your sales history and gets capital in place before the window closes.
- Buying seasonal and holiday inventory ahead of demand
- Taking advantage of bulk or early-payment supplier discounts
- Opening a second storefront or pop-up location
- Remodeling displays, fixtures, and signage
- Upgrading POS, inventory, and e-commerce systems
- Funding paid ads and marketing pushes before peak season
Why retail businesses choose Workable Funding.
Built for seasonal swings
We expect uneven months in retail and structure repayment around how your sales actually land.
Fast enough for buying windows
Same-day decisions and funding typically within 48 to 72 hours of approval, so you don't miss a purchase order deadline.
Brick-and-mortar or online
Storefronts, boutiques, franchises, and e-commerce sellers all qualify on the same terms.
No collateral required
Advances are based on revenue, not on pledging your inventory or personal property.
One funding desk
We underwrite and manage the transaction through our own desk and under our contract.
$10K to $2M
Enough for a single inventory buy or a full multi-location expansion.
How retailers use revenue-based funding
Retail cash flow runs backwards from the calendar. You buy inventory months before you sell it, pay freight and duties up front, and recover the money only once the season arrives. Add a rent increase, a supplier who suddenly wants payment on order rather than on delivery, or a fourth-quarter buy that has to be placed in August, and even a healthy store can run short at exactly the wrong moment.
We underwrite on deposit history rather than inventory value, which matters because most lenders discount retail inventory heavily as collateral. Three months of business bank statements tell us what we need: total monthly deposits, consistency, average daily balance, negative days, and any existing funding positions. Card processing volume helps but is not required, and you do not have to switch processors to work with us.
Typical retail advances run $10,000 to $250,000, funded in one to two business days after approval, with fixed daily or weekly payments over six to twelve months. Owners most often use them for seasonal inventory buys, a second location or pop-up, store build-out, marketing ahead of a peak period, or simply covering payroll and rent through a slow quarter.
One thing to be careful about: timing an advance so that repayment falls entirely inside your slow season. If your strong months are October through December, funding in September and repaying through the quarter usually works. Funding in January and repaying through the spring often does not. We will talk through that timing with you before writing the deal.
What a $60,000 advance looks like for a retailer
A retailer averaging $140,000 a month in deposits places a fourth-quarter inventory buy in late summer.
- Advance amount
- $60,000
- Factor rate
- 1.38
- Total repayment
- $82,800
- Term
- About 9 months
- Daily payment (weekdays)
- About $430
- Time from application to funding
- 24-48 hours
1.38 is a common middle rate, not a floor or a cap — your rate is set from your own file — deposits, time in business, and existing positions all move it. An illustration only — run your figures through the funding calculator.
What you need to qualify.
Four simple requirements. Meet these and you're a strong candidate.
Questions, answered.
Can I use funding to buy inventory?
+
Yes. Inventory purchasing is the single most common use of retail funding, especially ahead of holiday and seasonal peaks.
Do you fund online-only retailers?
+
Yes. E-commerce sellers with a business checking account and $15K or more in monthly revenue can apply.
How much can a retail store qualify for?
+
Most retailers qualify for an amount in the range of one to one-and-a-half times their average monthly revenue, from $10,000 up to $2 million.
Will a slow season hurt my approval?
+
Not on its own. We review several months of statements and account for normal seasonality in retail.
How fast is funding?
+
Same-day decisions in most cases, with funds typically wired within 48 to 72 hours of approval.