Time in business
Around six months of operating deposits is a common starting conversation.
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Industry
Inventory buys ahead of the turn.
Storefronts and omnichannel shops purchase before demand proves out — capital should match the season, not hope for it.
The cash cycle
Vendor terms, ad spend, and returns create spikes. Lines and short-term notes bridge the gap when statements show a pattern, not a one-off weekend.
We read deposit consistency, returns and chargebacks, and whether existing card advances already claim a slice of every batch. A one-time seasonal buy is a different file from a permanent margin problem.
How operators typically use funds
- Seasonal or pre-order inventory.
- A storefront refresh or fixture package.
- Bridge capital between wholesale payment and retail sell-through.
- Working capital around a second location — only if the first store’s deposits support it.
Structures we often discuss
- Short-term loanFor a defined inventory window with a clear sell-through plan.
- Line of creditWhen buys are recurring and uneven.
- Merchant advanceOnly when card volume is strong and cost is disclosed up front.
Eligibility snapshot
A starting frame — not a decision.
Revenue
Around $15,000 in monthly sales is a common starting point. Pure online concepts still need a clean deposit history.
Credit
Personal credit near 500+ is often discussed, along with existing obligations in the trade.
What we watch in this trade
Inventory that never turns, landlord arrears, and stacked advances. Say what the capital buys and when you expect it back in the register.
Soft inquiry to start. Applying is free and is not an offer of credit.