Retail Business Loans

You'll love what we have in store for funding your retail business.

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Types of Retail Business Loans

Small Business Loans icon

Small Business Loans

Secure operating capital for daily expenses, materials, payroll and more.

$5,000 to $500,000

Equipment Financing and Leasing icon

Equipment Financing and Leasing

Purchase or lease equipment for your retail business.

Up to $150,000

We Know Small Retail Businesses Face Unique Challenges

Retail businesses have specific needs that can put pressure on their cash flow and impact growth opportunities.

Seasonality icon


  • Peaks and valleys during the year that can sometimes strain cash flow
  • Ordering merchandise in advance is crucial to meet the holiday sales demand
Flexible Hiring icon

Flexible Hiring

  • Key times of the year require immediate expansion of staff
  • Ability to bring in part time employees based on business demand
Inventory Management icon

Inventory Management

  • Varying sales levels can deplete inventory and impact customer satisfaction
  • Lack of funds can dampen your wholesale purchasing power for merchandise
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  • Constant pressure to attract and retain more customers
  • Having the latest highly sought-after merchandise in stock for sale

How to Apply

Applying for a retail business loan is easy. With $250,000 in annual sales and 6 months in business, the process is simple:
How to Apply steps

Why National Funding?

Unlike the limited options, slow pace and low approval rates of traditional lenders, National Funding delivers a powerful suite of retail business loans that can help your business operate more efficiently and effectively. We understand the challenges small retail businesses face, so we make it easy to get small business funding through a simple application process and high loan approval rates.

We Know Retail Businesses

We Know Retail Businesses

Experience supporting retail business owners

Trusted by Businesses Like Yours

Trusted by Businesses Like Yours

Over $4.5 billion in funding to more than 75,000 businesses nationwide

Personalized Experience

Personalized Experience

Lending solutions and payment options tailored to your specific needs

Fast & Easy Application Process

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Funding Specialists Who Care

Funding Specialists Who Care

Experienced Funding Specialists help you make the right decision

Worry-Free Lending

Worry-Free Lending

No collateral requirements, plus simple, automatic payments3

Retail Business Resources

As you know, running the financial side of a retail business is one of the most difficult parts of running a store. Between busy holiday rushes, slow period and high employee turnover, it's no wonder many retail businesses face inconsistent cash flow. Here are some resources to make managing your retail business finances a little easier.

Creating a Retail Inventory Strategy for 2021

Creating a Retail Inventory Strategy for 2021

Whether dealing with mandated closures or customer occupancy limits, retailers have had to adapt to meet the requirements of the new marketplace. The ability to forecast merchandise demand is critical for your retail business. Learn how you can better manage your inventory supply, to ensure you have the optimal amount of merchandise in your retail establishment.

How to Pick the Best Retail POS Software for Your Small Business

One of the most important aspects to your retail store is the Point-of-Sale (POS) software that you use. However, POS software systems are not a one size fits all solution. Depending on the type of retail business you run, will determine which features are most important to you and your customers. From inventory management to credit card processing, learn which features are best suited for your business.

How to Pick the Best Retail POS Software for Your Small Business

How to Create an Advertising Budget for Your Retail Business

How to Create an Advertising Budget for Your Retail Business

The ability to generate foot traffic is critical for a retail business’s success. With a limited budget, it’s important to create a strategy to ensure you are getting a return on your advertising dollars. We go over several cost-effective ways to launch an advertising campaign that can get more customers in the door.

Ratings & Reviews

We are very proud of what our customers are saying on TrustPilot.


Trustpilot rates 4.5 out of 5

Based on 1,752 Reviews

Trustpilot rates 5 out of 5Jul 19

As far as bridge financing goes...

As far as bridge financing goes these guys are about as good as it's going to get we paid it off early and got a 10% discount on the balance

Randy Shoemaker

Trustpilot rates 5 out of 5May 28

Eric Fong did an amazing job

I will definitely recommend any small business needing one form of funding or the other to check National Funding out.

Sam A.

Trustpilot rates 5 out of 5Jun 06

Hats off to the team that helped me…

Hats off to the team that helped me with some business lending. They made the process super easy for both working capital and equipment loans.

Hallie Beilig

Trustpilot rates 5 out of 5Jun 15

Great experience

Great experience, easy funding, paid next day! Smooth & straightforward process! Still lowest offered than any other lenders.