Business Loans
for Retail Stores

Get Working Capital as Fast as Today!

Retail stores are an important part of the small business economy. And we want to support them. So Shield Funding has been offering small business loans to retail store owners for a decade. We work with retailers to get the best terms on their loans and get money to their bank accounts as quickly as possible.

Get Your Business Loan Today

What Do I Need to Qualify?

Below is a list of the requirements to get approved for business funding with our most basic program.

  • At Least 3 Months in Business
  • 530 Min. Credit Score
  • $10,000 Min. Monthly Revenue
  • How Do I Apply?

    Applying has never been easier. You can either call our toll free number 24 hours 7 days a week at


    Submit your online application by clicking apply below and entering a few basic details about your business.

    Types of Business Loan Available

    Small Business Loans

    These business loans can be used for anything you need to run your business, from a big investment in product to making weekly payroll. With loans up to $1,000,000, you can use one of our business loans to significantly grow your business. And terms between 2 and 36 months mean you have a lot of flexibility in repayment.

    You’ll also find better rates than you would at most banks—our business loans start at 5%. All you need to qualify is a credit score of 500, two months in business, and at least $8,000 in monthly revenue. If you meet those standards, you can get a business loan to help run or grow your retail store.

    Unsecured Business Loans​

    Most banks offer secured loans, which means you need to put up collateral when you apply. We know that putting your livelihood on the line just to get a business loan isn’t pleasant, so we offer unsecured loans.

    As long as you met the minimum requirements above, you can get a business loan without collateral.

    Business Cash Advance

    Retail stores are a tough industry for banks to finance because of the way stores are tied to volatile swings in the economy. That shouldn’t disqualify you from getting business funding. We underwrite funding based on the health of the individual business and not the industry that the business operates in. That’s why we don’t have any industry restrictions for our cash advances for business.

    We won’t gouge you on interest, either—our merchant loans start at 12% interest, depending on your credit score and the terms of the funding. If you have two months of business under your belt and make at least $8,000 every month, you can qualify.

    Just like our regular small business loans, these advancescan be used for any purpose in growing or running your business.

    Working Capital Loans

    Working Capital Funding can be used for anything related to your business. That includes things like down payments on new locations, rent, and big investments in product. Working capital loans are focused more on day-to-day expenses.

    That means you can pay your employees, refill your shelves, take advantage of marketing and advertising opportunities, and so on. These are the costs that can derail your retail business if you’re not careful. But with enough working capital, you can continue to run your business smoothly.

    We offer up to $1,000,000 in working capital for retail store owners who’ve been in business for two months or more, generate $10,000 in monthly revenue, and have a credit score of 650 or better. And with interest rates as low as 9%, you won’t break the bank doing it.

    Apply Directly to One Source!

    Work with a direct lender and get a business loan as fast as the same day. Shield Funding offers competitive rates and terms on all it’s funding programs. Apply now with a trusted lender that has been helping business owners secure working capital for almost two decades.

    Business Financing Tips For Your Retail Company

    Keeping Product in Stock

    Running out of stock is a serious problem for retail stores. People visit your store to buy things—and if you don’t have things on the shelves for them to buy, you’re not going to make any money.

    The cost of keeping product in stock depends very much on what you sell. High-end sports equipment requires a bigger investment than greeting cards. But no matter what you sell, you’ll need to shell out cash to make sure you have stock.

    If you’re expanding or opening a new location, that could be a big investment. You’ll need tens or hundreds of thousands of dollars of product that you can start selling immediately. And unless you have that kind of cash on hand, you’ll want to take a loan to help you make the investment.

    When you’re expanding you may also need displays and signage for your product, which can add a significant amount to your bill. This also applies if you decide to branch out and offer new products in your existing retail location.

    Maintaining and Updating Technology

    There’s a lot of technology that goes into running a retail store and as advancements are made in technology, customers demand more. Point-of-sale systems, workstations, inventory management software, HR tools, payroll subscriptions, and many other costs add up quickly.

    And if you’re growing your business by adding more employees, the cost of many of those things will rise. A business loan can help defray the cost of growth until you start increasing your revenue.

    You might not even be making a big expansion. What if you just want an extra point-of-sale system? A single cash register can cost you $1,000. Do you have the cash on hand to pay for it?

    Even something simple like Square for retail is $60 per month plus the cost of an iPad. An iPad-based point-of-sale system can cost $1,400. Whether you’re outfitting a new store or just adding one more cashier station at your location, that’s a lot of money.

    And no technology lasts forever. Registers and tablets break or become so dated that they’re nearly unusable. That creates a more negative customer experience, which is bad for business. Updating numerous pieces of technology is a good business decision—but can be hard to finance.

    Website and Online Advertising

    Getting customers into your retail store is one of the primary tasks you’ll have as an owner. And to do that, you’ll almost certainly need to have an online presence. At the very least you’ll want a website.

    If you don’t have one, you’ll probably hire someone to build it. And unless you’re looking for something very small and simple, that can cost hundreds or thousands of dollars. Plus you’ll need to maintain it—websites become dated quickly, and if you change the focus of your store or start to stock something different, you’ll want to let people know.

    Many retail stores now offer online sales, too. That opens up a huge potential market, but it can also be quite expensive. A mid-range Shopify site (a common ecommerce solution) can cost $80 per month, and if you want a bigger one you might be looking at $300 per month. That’s on top of

    Online advertising is another potential expense. You can get your retail store in front of thousands of people with online advertising, which can provide a huge boost to your revenue.

    But to make that happen, you might spend thousands of dollars each month in advertising fees. They’ll pay off and you’ll earn a positive return on investment, but it takes a while to get an advertising campaign up and running. And an injection of cash, too.

    Traditional Marketing and Advertising

    Traditional marketing and advertising might not seem very flashy in comparison to an online ad campaign, but they still work. Getting your name out in local newspapers or magazines, advertising on local television, posting flyers, and sponsoring local events develop brand awareness and help drive people to your store.

    Big sales do the same, but people need to know that a sale is going on. That might mean signage, mailed flyers, or other hard-copy advertising.

    There are countless ways you can use traditional marketing and advertising to your advantage. But they all cost money. Like online advertising, they pay off. But because revenue is generated after the investment, you might want to consider a business loan to kickstart the process.

    If you’re interested in taking out a business loan for any of these reasons—or any other business reason—give us a call! We’ll help you figure out the right type of loan and work with you to get the best terms possible.

    Get Started on Your Small
    Business Loan

    Looking for fast business funding without the hassle? Work with a direct lender for same-day funding! Avoid endless calls and broker fees. Apply now and get funded as fast as today!