Retail businesses need flexible financing for inventory, store upgrades, marketing, and e-commerce expansion.
Retail businesses face constant pressure: keeping shelves stocked, competing with online giants, funding seasonal inventory buildup, upgrading store environments to attract customers, and managing the cash flow between paying suppliers and receiving from customers. Whether you run a boutique, a department store, a specialty shop, or a multi-location retail operation, the capital demands are relentless. GrowthX Capital has funded retail businesses across Canada and the US, and we understand that retail success is built on having the right products in stock at the right time — and that requires capital.
Our retail financing solutions include inventory sourcing and financing to keep your shelves stocked, term loans for store renovations and expansions, lines of credit for seasonal cash flow management, and e-commerce financing for retailers expanding online.
Yes. Seasonal inventory financing is one of our most common retail products. We recommend applying 2–3 months before your peak season to ensure funds are in place and available when you need them.
A small business term loan or SBA loan is ideal for expansion projects like opening a second location. We can also structure financing specifically around the projected revenue of the new location.
Yes. Our e-commerce financing product is designed for retailers selling online — whether Amazon sellers, Shopify DTC brands, or multi-channel retailers. We can look at your aggregated online revenue.
Yes. We work with both independent retailers and franchise systems. Established franchises with proven unit economics often qualify for more favorable terms.
Term loans and SBA loans are ideal for store renovation projects. We can finance the full renovation cost and structure repayments around the increased revenue the renovated store generates.
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