Industry Lending
Retail Business Loans
Inventory, expansion, and real estate capital for brick-and-mortar retail.
$165K
Avg inventory bridge
4.8x
Median annual turns financed
Same day
Peak-season approval window
How we underwrite
Retail credit underwriting is fundamentally about velocity: how many turns per year, what's the gross margin, and how cleanly does inventory convert to cash. Inflection Financing underwrites against sell-through velocity and gross margin trends, not just top-line revenue — which lets us approve healthy retailers that a generic bank's static revenue test would miss.
Typical loan sizes
$50,000 to $2,500,000
Common uses
- →Inventory build for peak seasons
- →Build-out for new store locations
- →Equipment and POS refresh
- →Working capital for vendor early-payment discounts
Regulatory & underwriting notes
Retail SBA 7(a) loans require franchise disclosure for franchise concepts and lease assignment for leased premises.
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Other industries
Financing for retail businesses.
Apply in under 10 minutes. Decisions in 24 hours. No broker fees. Direct lender.