Working capital for brick-and-mortar retail.
From boutiques and specialty shops to multi-location retailers, we help review funding for inventory buys, seasonal bridges, store expansions, and the working capital that keeps your shelves stocked and your team paid.
Quick answer
MerchantRunway helps retail stores review working capital and short-term funding options based on revenue, timing, documents, and repayment capacity.
No obligation. MerchantRunway is operated by MerchantRunway.com. MerchantRunway is not a direct lender. We may connect applicants with third-party funding providers. Approval, terms, rates, and funding amounts are not guaranteed.
Typical funding range
Funding amounts vary by revenue, time in business, existing obligations, and provider review.
Funding timeline
Some files can move quickly after documents are complete, but approval and funding timing are not guaranteed.
Who this is for
Established businesses with active revenue, a business bank account, and a specific use of funds.
Typical funding uses
Inventory buys
Lock in better pricing on bulk orders or seasonal merchandise.
Seasonal bridge
Fund the build-up before Q4, then pay back as sales come in.
Store build-out or remodel
Finance a refresh, a new location, or a fixture upgrade.
How approval is evaluated
- Retailers with operating history and consistent deposits may be reviewed by providers.
- Daily, weekly, or invoice-based repayment to match your sales cycle.
- Credit profile is one input; inventory turns, deposit consistency, and existing obligations shape available options.
Documents usually needed
- • Business bank account
- • Recent bank statements
- • Clear use of funds
- • Owner contact information
- • Existing obligations disclosed
Check funding options for your business
Start with a short intake. We review your revenue pattern, business model, timing, and requested use of funds before discussing available capital paths.
Common questions
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Ready to explore your funding options?
Get a clearer understanding of what providers may look for, what documents may be needed, and which funding options may fit your business.