Retail timing rarely lines up with cash
You place holiday orders in late summer. Vendors offer a discount for paying up front. A competitor closes and their customers start walking through your door. In each case, the opportunity is now and the revenue it produces comes weeks or months later.
Store owners looking for same day retail funding want a quick answer. Decisions through Merchant Fund Express move fast, and qualified retailers can be funded in as little as 24 hours. Same-day funding is not something we promise; it depends on the file and the bank.
A quick look at the options
- Merchant cash advance. A lump sum repaid from a share of future card sales, so payments follow store traffic.
- Working capital. A lump sum on a fixed schedule for inventory, staffing or a remodel.
- Line of credit. Draw when buying windows open, repay as goods sell through.
- Equipment financing. Point-of-sale systems, displays, coolers and shelving.
An example of the math, for illustration
For illustration only: a sporting goods store doing $90,000 a month gets an offer from a supplier to lock in spring inventory at a lower price if it pays by the end of the month. Funding the order now lets the store capture the discount and have full shelves when the season starts. These numbers are not our terms; they show how timing can make funding worth considering.
For more on stock-driven needs, see inventory funding.
Who this fits
Established storefronts and multi-location retailers doing roughly $60,000 or more a month: apparel, hardware, furniture, liquor, convenience, pharmacy, pet supply, boutique and specialty shops. Sole proprietors can apply.
Many retail owners personally signed for their first lease or inventory line and their credit carries the marks. FICO scores from 500 are considered, and no tax returns are required. About three months of business bank statements tells the story.
Two separate paths, both open to you
Eagle helps clients work on personal credit. Business funding through our partner is a different service. You do not need one to use the other, and funding does not improve your score. If your store is performing well, you can apply in about 5 minutes with a soft credit pull to start. Funding ranges from $25,000 to $5,000,000.
Frequently asked questions
Can my store be funded the same day?
We do not promise same-day funding. Qualified retailers can be funded in as little as 24 hours, and timing depends on the file and the bank.
Is a merchant cash advance a good fit for retail?
Many retailers use one because repayment follows card sales, rising in busy weeks and easing in slow ones.
Can I use funding to buy seasonal inventory?
Yes. Working capital or a line of credit can fund seasonal orders ahead of peak months.
Do online sales count toward revenue?
Deposits from all sales channels show up in your business bank statements, which are the main part of the review.
What credit score do I need?
FICO scores from 500 are considered. Business revenue and bank activity are weighed heavily.