Business Loans

Faster, easier small business financing with one simple application—no bank needed.

Applying is free and won’t impact your credit.

Reviews from retail business owners.

Lendio knows retail small businesses.

Whether you’re looking to upgrade your supply chain technology and eCommerce platform or simply need to cover everyday business costs, a retail store business loan can help.

Small business retailers have a lot on their plates these days, whether its supply chain issues or rising employee costs. And small business owners have to decide where to invest their time and resources to stay competitive. At Lendio, we’re here to help small businesses get the funding they need to stay ahead of tomorrow.

Fifty percent of retail leaders believe that staff-free stores will be common within the next five years. Using a business loan to adopt automated checkout technology can save you staffing costs and give you an edge over the competition.

Why Lendio?

Fast & easy

Apply in just 15 minutes and get retail funding as quickly as 24 hours after choosing the best offer. Retail business loans have never been this easy.

Guidance when you need it

Get personalized support throughout the entire funding process by working with a funding manager. They can walk you through your application and give you advice on the best loan product for your needs.

Large network of lenders

Compare loan offers from our network of 75+ lenders. You don’t have to spend two weeks filling out multiple applications anymore in order to compare rates. We have all the best lenders in one spot, fighting for your business.

How our loan matching process works.


Fill out our simple application.

Answer just a few questions about your business to see which lending products you qualify for. We’ve partnered with over 75 lenders, allowing us to find the best option or your business.


We’ll connect you with a funding specialist.

One of our funding specialists will reach out to you to get to know your business better. Since every business is unique, we want to make sure we find the loan type that’s perfect for your needs.


Compare loan offers.

Compare different offers curated for your business. Select the capital amount and rate that will help take your business to the next level.


Get funded.

We work with lenders that can fund you fast. Once you’re approved, you’ll be able to access your capital in as little as 24 hours.

Ways to use a retail business loan.

Purchase inventory

You’ll want to make sure that your retail business is fully stocked with inventory. You can use a retail business loan to replenish your inventory, especially during peak shopping seasons or in anticipation of a sales surge.

Invest in equipment and technology

Adopting high-tech solutions enhances your operations and gives you a competitive edge. With a retail business loan, you can invest in modern point-of-sale systems, security equipment, or other technology that enhances your business operations and customer experience.

Utilize marketing and advertising

Marketing and advertising are essential for bringing customers to your retail business. With a retail business loan, you can fund marketing campaigns or advertising initiatives to attract new customers and boost sales.

E-commerce integration

Expanding your business from a physical storefront to an online retail business will grow your customer base. In the age of digital shopping, you can use a retail business loan to develop or enhance your online retail presence.

Types of business loans for retail small businesses.

Revenue-based financing

Also called a business cash advance, revenue-based financing allows business owners to borrow money based on expected future revenue and then repay the amount in daily or weekly payments.


1-15 months

$1 million

Debt financing

Debt financing is a traditional loan product. The full loan amount is received in one lump sum, and monthly payments are made until the loan is fully repaid with interest. Borrowers have two options when using debt financing for their retail business loan needs: term loans and SBA loans.


6 months-25 years

$5 million

Line of credit

If you understand the premise behind a credit card, then you’ll understand a line of credit. As you pay down your balance, the line of credit once again becomes available. Business lines of credit can be used for a variety of purposes, making them great for general capital needs.


6-24 months

Up to $250,000

Pros and cons of retail business loans.

Business loans, like any financial decision, carry both rewards and risks. They can propel you towards growth and innovation or, if not managed carefully, may lead to financial strain. Be sure to weigh the potential benefits against the possible pitfalls of manufacturing business loans as you consider this financing option for your retail enterprise.

Liquidity: Loans provide immediate access to funds, enabling you to cover costs or make investments without depleting your cash reserves.Debt: Borrowing automatically means incurring debt, which will need to be repaid with interest over time.
Growth Potential: Loans can facilitate business expansion, hiring, and upgrades to equipment, potentially leading to increased revenue.Collateral Risk: If your loan is secured, there’s a risk of losing your collateral (such as property or equipment) if you can’t repay the debt.
Budget Planning: Loans often have fixed repayment schedules, making it easier to plan your budget.Impact on Credit Score: Failure to repay the loan can negatively impact your business credit score.
Innovation: Access to funding can facilitate research and development, leading to product innovation and a competitive edge.Restrictions: Some loans come with restrictions on how you can use the funds, limiting your financial flexibility.


Retail loans come in a variety of forms. You can get a flexible line of credit, a classic term loan, or even a government-backed SBA loan.


Minimum requirements start at:

  • A credit score minimum of 600 
  • Monthly revenue of $8,000 or more
  • At least six months time in business


Use a retail business loan to cover a mix of retail expenses, including to:

  • Pay employees
  • Purchase inventory and supplies
  • Market your business
  • Upgrade your equipment and facilities
  • Cover the bills

A lending marketplace like Lendio connects you with multiple lenders through a single application. A funding manager then works with you to finalize your application and advocate for you with the lenders.

An SBA loan is insured by the federal government. Because of this, SBA loans have some of the best terms and lowest rates for borrowers. The downside to SBAs is, they can be difficult to qualify for and take a few months to process.

There are three types of SBA loans available to retail businesses: microloans, 504 loans, and 7(a) loans. Microloans come in amounts between $500 and $50,000. 504 loans go up to $5 million and are intended for large asset purchases, such as building new facilities or purchasing long-term use machinery. 7(a) loans also go up to $5 million, but can be used for day-to-day capital needs.

8 out of 10 Lendio employees* or their families own a small business.

*based on 136 Lendio employees who responded to an internal poll

Quickly compare financing options from multiple funders.

Applying is free and won’t impact your credit

Talk to a rep at (855) 853-6346
Mon-Fri 7:30am-5pm MST