Invest in your business with these dump truck loans
Dump trucks are a key, critical tool from industries like infrastructure all the way to construction—and that’s just the tip of the iceberg.
Best Retail Business Loans – Up To $400,000 In Financing
Grow with retail business loans deposited in your account in as little as 24 hours.
Access the Retail Business Loan and Financing Your Shop Needs to Thrive
Funding in as little as 24 Hours
Pre-qualify in just 10 minutes, get approved for financing in as little as 4 hours, and have funds in your account the next day.
Financing for Retail Business That Feels Just Right
From a business line of credit to a long-term loan–get the financing you need to bridge cash flow, purchase equipment, and grow your business.
No More Bad Credit Roadblocks
Your business is more than your credit rating, which is why our application process assesses the overall health of your business.
Get Started
Financing and Loans for Retail Business: Up to $400,000 in Funding
Working Capital Loans
Eliminate the Worries of Meeting Cash Flow Needs
Meet your day-to-day capital demands, from inventory management to payroll with these flexible loans.
- Flexible business financing that lets you borrow exactly what you need.
- Enjoy favorable terms and longer repayment periods.
- Grow, don’t owe, with competitive factor rates.
- A holistic approach that assesses more than just your credit score.
Easy Application Process
No more running around for paperwork, no more wondering “will they, won’t they”.
- You likely already have the documentation you need.
- User-friendly application process (and helpful support team).
- Effortlessly compare financing and loan options for your small businesses.
Merchant Cash Advances
Fast Funding Meets Credibly
Move seamlessly past cash flow crunches with a financing option that lets you remit what you can afford.
- Easy online application.
- Receive a response to your application in as little as 4 hours.
- Funds deposited right into your account.
Your Funds, You Decide How to Use Them
- Make repairs, upgrade equipment, and meet cash flow shortfalls.
- Pay what you can afford–remittances aligned to revenues.
- Remittances are deducted automatically.
Long-Term Business Loans
Get the Capital You Need to Grow
Longer repayment periods, lower interest rates to reward your business’s financial stability.
- Some of the friendliest financing terms for small business owners.
- Convenient application process and approvals in just 4 hours.
- Receive funds in as little as 24 hours.
Helping You Take the Next Step
Add equipment, hire staff, add to your business’s real estate with these loans.
- Use funds the way you want to.
- Much lower interest rates compared to credit cards.
- Gain access to a U.S.-based customer support team.
Equipment Financing
Equipment Financing for Retail Business
Gain a competitive advantage–get the equipment you need now, not months from now.
- Enjoy lower interest rates and longer repayment periods.
- Your new equipment becomes security for the financing.
- Unlock Section 179 tax deductions.
Even More Reasons to Make You Smile
To traditional gas station loan lenders you may just be a P&L sheet, but we want your business to thrive.
- Get more financing than you may otherwise be eligible for.
- No need to save up for years to buy equipment.
- Receive support from U.S.-based financing experts.
Retail Business Financing Helps
Over $2 Billion Funded
We’ve financed 30,000 businesses and have a 4.8 out of 5 rating on Trustpilot.
We Help Retail Businesses of All Sizes
Whether you need a loan for a small retail shop to keep the lights on, want to finance expansions, or anything in between, we can help.
How to Get Business Loans for Retail With Credibly
Step 1
Pre-Qualify Online
Click “Get Started”, fill out your form in a few minutes, and pre-qualify for a retail business loan.
Step 2
Approval in as Fast as 4 Hours
Get approved for your retail store business loan and financing in as little as 4 hours.
Step 3
Receive Same-Day Funding
Receive funds directly in your account in as little as 24 hours and start using funds the way you want to.
Grow With Commercial Retail Loans and Financing
Christopher Stealey
Merchant Cash Advance
Merchant Cash Advance
James
All-one Home Improvement & Reno
All-one Home Improvement & Reno
Eckel Pool
Small Business Owner
Small Business Owner
Christopher Stealey
Merchant Cash Advance
Merchant Cash Advance
After dealing with multiple funding companies, this is the only company that presented me an offer with no pressure or false promises. Every other company I spoke with said they could beat Credibly’s offer, but most fail short. This was my second round of funding with Credibly and they are by far the most straightforward merchant cash advance company that I could find. Wherever you go, working capital is expensive and it can be exhausting with all the calls. A lot of other companies I had to report for shopping my information around and pulling my credit without consent. Credibly presented me an offer and allowed me to breath while I made a choice I could only make for my business. Not once did they ask for other companies offers. I am hoping to not need any other cash advances in the future, but this will be the only place if I do.” James
All-one Home Improvement & Reno
All-one Home Improvement & Reno
Mick Sibinovic is a man of his word. He is very responsive, informative & persistent!! He made me feel like more than just a number, which is why even with multiple other offers I still chose to go with credibly. I reached out first a couple months back and after he diligently worked hard to get me the best funding options, I turned it down. He welcomed me back with open arms this time around. Not only is he partnering with me on a short term strategy but a long term strategy as well. I’m excited to see where my business will go & grow with the help of Mick.” Eckel Pool
Small Business Owner
Small Business Owner
I run a small business and have utilized multiple other lenders for capital as needed. This is my second time funding with Credibly. Mr. Andrew Jasina did an outstanding job in laying out options for funding. He addressed my questions and was able to find a solution that fit our needs. If you or anyone you know is looking for capital, I would strongly recommend speaking with Andrew @ Credibly.” What customers say about our small business loans
“After dealing with multiple funding companies, this is the only company that presented me an offer with no pressure or false promises. Every other company I spoke with said they could beat Credibly’s offer, but most fail short. This was my second round of funding with Credibly and they are by far the most straightforward merchant cash advance company that I could find. Wherever you go, working capital is expensive and it can be exhausting with all the calls. A lot of other companies I had to report for shopping my information around and pulling my credit without consent. Credibly presented me an offer and allowed me to breath while I made a choice I could only make for my business. Not once did they ask for other companies offers. I am hoping to not need any other cash advances in the future, but this will be the only place if I do.” 
Christopher StealeyMerchant Cash Advance
“Mick Sibinovic is a man of his word. He is very responsive, informative & persistent!! He made me feel like more than just a number, which is why even with multiple other offers I still chose to go with credibly. I reached out first a couple months back and after he diligently worked hard to get me the best funding options, I turned it down. He welcomed me back with open arms this time around. Not only is he partnering with me on a short term strategy but a long term strategy as well. I’m excited to see where my business will go & grow with the help of Mick.”
JamesAll-one Home Improvement & Reno
“I run a small business and have utilized multiple other lenders for capital as needed. This is my second time funding with Credibly. Mr. Andrew Jasina did an outstanding job in laying out options for funding. He addressed my questions and was able to find a solution that fit our needs. If you or anyone you know is looking for capital, I would strongly recommend speaking with Andrew @ Credibly.”
Eckel PoolSmall Business Owner
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Christopher Stealey
Merchant Cash Advance
Merchant Cash Advance
James
All-one Home Improvement & Reno
All-one Home Improvement & Reno
Eckel Pool
Small Business Owner
Small Business Owner
Christopher Stealey
Merchant Cash Advance
Merchant Cash Advance
After dealing with multiple funding companies, this is the only company that presented me an offer with no pressure or false promises. Every other company I spoke with said they could beat Credibly’s offer, but most fail short. This was my second round of funding with Credibly and they are by far the most straightforward merchant cash advance company that I could find. Wherever you go, working capital is expensive and it can be exhausting with all the calls. A lot of other companies I had to report for shopping my information around and pulling my credit without consent. Credibly presented me an offer and allowed me to breath while I made a choice I could only make for my business. Not once did they ask for other companies offers. I am hoping to not need any other cash advances in the future, but this will be the only place if I do.” James
All-one Home Improvement & Reno
All-one Home Improvement & Reno
Mick Sibinovic is a man of his word. He is very responsive, informative & persistent!! He made me feel like more than just a number, which is why even with multiple other offers I still chose to go with credibly. I reached out first a couple months back and after he diligently worked hard to get me the best funding options, I turned it down. He welcomed me back with open arms this time around. Not only is he partnering with me on a short term strategy but a long term strategy as well. I’m excited to see where my business will go & grow with the help of Mick.” Eckel Pool
Small Business Owner
Small Business Owner
I run a small business and have utilized multiple other lenders for capital as needed. This is my second time funding with Credibly. Mr. Andrew Jasina did an outstanding job in laying out options for funding. He addressed my questions and was able to find a solution that fit our needs. If you or anyone you know is looking for capital, I would strongly recommend speaking with Andrew @ Credibly.” 
Fast and Simple Business Loan for Retail Stores
Get the funds you need while avoiding all the traditional roadblocks of financing.
The Financing Your Business Needs
Tailored financing that meets your specific needs, allowing you to grow, not owe.
White-Glove Customer Service
Enjoy the support of U.S.-based financing experts who understand your needs and priorities.
Trusted Small Business Partner
Receive clear answers and advice from a team that wants you to succeed.
Pros and Cons of Financing and Loans for Retail Business
Fast, flexible, friendly–but is financing right for you?
Pros
- Get the financing you need, not funds that you don’t.
- Find out your financing options in minutes.
- Start rebuilding your credit as you start repayment.
Cons
- Financing can affect cash flow if you’re not ready for it.
- Missing repayments can hurt your credit score.
Even More Financing for Retail Business
FAQs for Loans for Retail Shops
How can I use my financing?
Most of our financing options give you the freedom to use funds the way you want to for your business. Some, such as equipment financing, may specifically be applied towards acquiring equipment.
I have bad credit - will you reject me?
Unlike the big banks, we don’t judge the eligibility of a business solely on the basis of its credit score. We consider the overall health of your business to determine eligibility. It’s why Credibly has nearly twice the financing approval rate compared to the big banks.
How do I finance a retail store?
It takes just a few minutes to fill out our online form and pre-qualify for financing. You’ll find out which financing options you are eligible for, and speak to a financing expert who will guide you through the financing process.
InCredibly Easy Retail Business Loans
Get the funds you need now to support your growing business
Our recent blogs
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Get the right-fit same-day business loan
Whether it’s an unexpected equipment breakdown, a golden opportunity to stock up on inventory at a discount, or a sudden market shift, there are moments when waiting weeks for traditional financing just won’t cut it. Enter same-day* business loans, the financial lifeline for modern enterprises.
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* Working Capital Loans and Merchant Cash Advances are quoted as a factor. Certain limitations and underwriting may apply.
** $15K+ avg. deposits for a three-month average and the most recent month.
*** For Merchant Cash Advances, a specified portion or percentage of the purchased receivables are remitted each business day.
**** Some products are made available through Credibly’s network of external funding partners.
***** Factor rates are included in your daily estimate to simplify remittances and account monitoring. Best factor rates available to merchants with excellent credit and financial strength.