Retail & ecommerce financing
Retail and ecommerce financing helps stores and online brands buy inventory ahead of demand, fund marketing and manage the gap between paying suppliers and getting paid by customers. Credible Lending offers lines of credit and revenue-based options that flex with sales volume.
Inventory in stock, before the rush
What makes funding retailers different?
You pay suppliers first
Inventory is bought months before it sells. A revolving line covers the gap and resets as stock sells through.
Peak season decides the year
Fund the Q4 order in Q3, then repay from holiday revenue.
Ad spend compounds
When a campaign works, capital lets you scale it while it's working.
The funding retailers use most
What retailers fund with us
- Place a larger seasonal order
- Scale a paid campaign that's working
- Open a pop-up or new store
- Upgrade POS and fulfillment
What do I need to qualify?
- 1 year in business
- $10K+ in monthly revenue
- 625+ FICO score
Retail & ecommerce financing questions
Something else on your mind? Ask an advisor.
Can ecommerce businesses qualify without a storefront?
Yes. We look at revenue, deposits and processor history, not whether you have a physical location.
Funding built for retailers.
Apply in about three minutes with a soft credit check. You'll hear back the same day.