Who We Work With
Retail.
Finance for retailers — funding stock, fit-outs, expansion and the working capital that sits between buying inventory and selling it.
Overview
How we work with the sector.
Retail finance is, at its core, a timing problem. A retailer buys stock, holds it, fits out the space it sells from, and waits — sometimes weeks, sometimes a full season — before that inventory turns back into cash. We work with retailers across categories, from single-store owners to multi-site groups. The sector is distinct in how much capital sits locked in inventory and fit-out, and how seasonal the cash cycle can be — a retailer can be profitable on paper and still tight on cash heading into a peak buying period. The right answer is rarely a single product. It's usually a mix: a line that funds stock ahead of a season, a term loan for a fit-out or a new site, and a working capital line that flexes with the trading cycle. We match each piece to the lender that prices it best, so the finance fits how the business actually turns over.
Sector Snapshot
- Typical Loan Size
- $20K — $5M+
- Common Products
- Cashflow finance, lines of credit, debtor finance
- Settlement Window
- 1 — 4 weeks
- Cash Cycle
- Often seasonal
Common Scenarios
What we finance most often.
01 / 03
Stock & inventory finance
Funding inventory ahead of a peak season or a large buy, so capital is not fully locked up waiting for stock to sell through.
02 / 03
Store fit-out & relocation
Financing a new store fit-out, a refurbishment or a relocation as a term loan spread over the trade it is built to generate.
03 / 03
Multi-site expansion
Capital for opening additional locations — funding the rollout without draining the working capital the existing stores depend on.
Finance Products
Products most relevant to retail.
FAQ
Retail finance — questions answered.
Yes. Cashflow finance or a working capital facility can fund an inventory buy ahead of a season, then be repaid as that stock sells through. It keeps capital from being fully locked up at the point you most need flexibility.
A fit-out, refurbishment or relocation is generally funded as a term loan, spread over a period that matches the lift in trade it pays for. For multi-site operators, we can structure it to sit alongside an expansion facility.
Yes. Expansion capital funds the rollout of additional locations without draining the working capital the existing stores rely on. The structure depends on the security available and how the existing sites trade.
It can, where a retailer also supplies wholesale or trade customers on credit terms. Invoice and debtor finance unlocks the cash tied up in that receivables ledger as it is raised.
The lenders that genuinely back retail understand the seasonal cycle and structure repayments around it. Placing the deal with one of those lenders — rather than a generalist — is what keeps a seasonal pattern from being read as risk.
Ready?
Let's structure your next retail deal.
One short application puts your deal in front of the lenders most likely to fund it. No obligation, no cost to find out where you stand.