Capital that keeps your shelves stocked and doors open
Retail businesses need cash to buy inventory, invest in store buildouts, fund seasonal marketing campaigns, and manage the cash flow gaps that come with the territory. The seasonal nature of retail means you are often committing to large inventory purchases months before the selling season, tying up capital that you also need for payroll, rent, and marketing. Bay Street Lending helps retailers of all sizes access the capital they need to compete and grow. From fast working capital for inventory stock-ups to SBA loans for new locations, our 50+ lender network gives you options whether you operate brick-and-mortar, online, or both.
You need to buy inventory months before selling it. Working capital funds seasonal stock-ups without straining cash flow.
Holiday inventory requires summer purchasing. A credit line bridges the gap between buying and selling seasons.
Opening or renovating a retail location costs $50K–$500K+. SBA loans and working capital make expansion possible.
Yes. Working capital and lines of credit are ideal for inventory purchases. There are no restrictions on how you use the funds.
Our lenders understand seasonal retail patterns. They evaluate your full annual revenue cycle, not just recent months.
Yes. SBA loans can fund new store buildouts, lease improvements, and equipment. Working capital can cover initial inventory and marketing.
Absolutely. Brick-and-mortar, online, and omnichannel retailers all qualify for our financing products.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.