Capital tuned to how retail actually run.
- Buy inventory ahead of holiday, back-to-school, or summer peak
- Open or build out a new location — leasehold improvements, fixtures, opening stock
- Bridge a slow shoulder season without cutting marketing spend
- Refinance high-rate credit-card debt into a single fixed payment
- Fund a marketing push to capture demand during a competitor's downtime
Products built for retail.
The shapes of capital most retail use — and why each one fits.
Line of Credit
Draw to buy inventory, repay as it sells. Pay interest only on the balance — no cost during the quiet months.
Learn more →Revenue-Based Financing
Repayments scale with daily sales. Strong fit for shops with concentrated peak seasons.
Learn more →Term Loan
Lump-sum financing for buildouts, equipment, and store openings — fixed payments, fixed term.
Learn more →Invoice Financing
For wholesale and B2B retail — advance against net-30/60 invoices to keep inventory moving.
Learn more →“We needed inventory for Q4 in September. The line landed in 36 hours and we cleared $400K of stock by the time we were repaying anything.”
Three steps from application to funded.
Apply in 3 minutes
Soft credit pull only. Connect your bank or upload statements — no impact to your score.
Compare real offers
See every product your business qualifies for side-by-side. No estimates, no bait pricing.
Funded fast
Sign electronically and funds typically land in 24 to 48 hours of acceptance.
Retail financing — common questions.
Does Thrivewell finance both online and brick-and-mortar retail?+
Yes. Ecommerce, omnichannel, and pure brick-and-mortar all qualify. Underwriting weights revenue stability over channel.
How do you handle seasonal businesses?+
We average revenue over the last 12 months and weight repeat seasonality. A line of credit or RBF often fits better than a fixed term loan for highly seasonal operators.
Can I use the funds for marketing?+
Yes. Marketing spend is a legitimate use of working capital and a common one for retail. Most products have no restrictions on use.
What about a new location?+
New-location buildouts are typically funded through a term loan or SBA loan. We structure repayment to begin near the new store's open date.
Will I pass a soft credit pull on a thin file?+
Likely yes — application uses a soft pull only and won't affect your score. Underwriting weights business revenue and bank health more than personal credit alone.
Other industries we fund.
Ready to fund your company's future?
Three minutes to apply. Soft credit pull only. Real, comparable offers — not estimates.