Funding for Retail Stores
Steady daily card sales fit an MCA's revenue-based remittance, and a line of credit fills the gap between paying suppliers and ringing the register, so you can buy deep ahead of peak season.
Retail is a timing business. Your supplier wants payment now; your customers show up in November. Order too little and you walk shelves that should be earning; order too much and your cash is locked in cardboard boxes in the back room. Banks struggle with that picture because the balance sheet looks thin right when the opportunity is biggest. Broadway funds against what your store actually does — daily sales, real deposits, three months of bank statements. One short form, a soft credit pull, a same-day decision, and funding in as little as 24 hours, so you can stock for the season you know is coming.
The challenge
You buy inventory months before you sell it, and the fourth quarter makes or breaks the year. The cash is sitting on your shelves, not in your bank account — which is exactly where banks stop reading.
How Broadway Advance helps
Steady daily card sales fit an MCA's revenue-based remittance, and a line of credit fills the gap between paying suppliers and ringing the register, so you can buy deep ahead of peak season.
What owners use it for
- Buy seasonal inventory deep before Q4 and holiday peaks
- Take supplier volume discounts that need cash up front
- Upgrade POS systems, fixtures, and store lighting
- Open a second location or expand the current footprint
- Launch or grow an online sales channel
- Cover rent and payroll through slow months
See your real number in about five minutes.
Apply nowFunding options that fit retail stores
Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →Business Line of Credit
A revolving cash reserve you only pay for when you draw on it.
Flexible limits →Term Loan
The lowest rates and longest terms, with predictable monthly payments.
Up to $5,000,000 →Retail Stores funding questions
Can I use my inventory as collateral instead of taking an advance?
Yes. Asset-based lending lets you borrow against inventory, receivables, or equipment, which often means more capital at a lower cost than an unsecured advance — the trade-off is a bit more paperwork and the asset is pledged. For a store with real inventory value, it is worth pricing both. We broker 50+ programs across 25+ funders, so we can show you the MCA number and the ABL number side by side and let you pick.
My sales are seasonal — will that hurt my approval?
Not by itself. We review three months of bank statements, so what matters is real, consistent deposits, not a flat line. Retailers with a strong Q4 and quiet summers get funded all the time. If you are applying in your slow season, an MCA remits as a share of sales, so the payment pressure stays proportional. If you want fixed predictability instead, a line of credit lets you draw for inventory and pay interest only on what you use.
Should I finance inventory with a cash advance or my business credit card?
Cards are fine for small buys, but inventory orders big enough to matter will max a card fast and carry interest that compounds monthly. An advance or a line of credit gives you a larger amount with a defined cost and a defined term, sized against your actual revenue. An MCA costs more than bank money — we say that plainly — but if a deep seasonal buy sells through at keystone margins, the math usually works. We will run it with you before you sign.