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Working capital loans for retail & ecommerce

Short-term funding for payroll, rent, inventory and other everyday costs. Retailers use Credible Lending working capital loans to place a larger seasonal order or scale a paid campaign that's working, with 3 to 18 months and decisions in 4–6 hours.

Apply nowAbout working capital loans
See what you qualify forStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your advisor.

$10K$5M
How long have you been in business?
What's your average monthly revenue?

Total deposits into your business account in a typical month.

What's your personal credit score?

An estimate is fine. Applying won't affect your score.

Where should your advisor reach you?

We'll use this only for your application.

Working capital loans for retailers
Amount$10K – $2M
Term3 to 18 months
SpeedDecisions in 4–6 hours
PaymentsDaily or weekly
Best forPayroll, rent, inventory and seasonal swings

Common uses in retail & ecommerce

  • Place a larger seasonal order
  • Scale a paid campaign that's working
  • Open a pop-up or new store
  • Upgrade POS and fulfillment

Why retailers choose a working capital loan

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.

How does a working capital loan work?

  1. 1

    Apply with basic business details and recent bank statements.

  2. 2

    We review revenue and cash flow, not just your credit score.

  3. 3

    Choose from offers with different amounts and terms.

  4. 4

    Funds land in your account, often the same day.

What do I need to qualify?

  • 1 year in business
  • $10K+ in monthly revenue
  • 625+ FICO score
Check my options

Other funding for retailers

Questions, answered

Something else on your mind? Ask an advisor.

Can retailers qualify for a working capital loan?
Yes. Most Credible Lending programs look for at least one year in business, $10,000 or more in monthly revenue and a 625+ credit score. We review retail & ecommerce financials with the industry's cash-flow patterns in mind.
How fast can I get a working capital loan?
Decisions typically come within 4–6 hours of a complete application, and funding often follows the same or next business day.
What documents do I need?
Usually a short application and your last three to four months of business bank statements.
Can ecommerce businesses qualify without a storefront?
Yes. We look at revenue, deposits and processor history, not whether you have a physical location.

Ready when your business is.

Apply in about three minutes with a soft credit check. You'll hear back the same day.

Apply nowTalk to an advisor