We understand the cycles, margins and investment needs of the retail sector. Your account manager works with lenders who know your industry, so your application is assessed on the real strength of your business.
In short
Retail businesses most often use merchant cash advance, flexible & short term and business loans. Typical uses include shopfits and EPOS systems, stock purchases and seasonal working capital. Funding runs from £10,000 to £2m, and a single account manager compares options across our lender panel so the structure matches how your business earns.
Last reviewed · PFC Commercial Finance
What we can fund
- Shopfits and EPOS systems
- Stock purchases
- Seasonal working capital
Popular finance in this sector
Merchant Cash Advance
Repaid through your card takings
ExploreFlexible & Short Term
Loans from 3 to 24 months
ExploreBusiness Loan
From £10,000 to £2m
ExploreRetail finance: common questions
What finance is available for retail businesses?
The most common options are merchant cash advance, flexible & short term and business loans. The right choice depends on what you are funding, how long you have traded and whether you want to own the asset at the end.
What can retail finance be used for?
Typical uses include shopfits and EPOS systems, stock purchases and seasonal working capital. Most business assets with a resale value can be financed, new or used.
Will checking my eligibility affect my credit score?
No. An initial eligibility check uses a soft search, which does not affect your credit score.