Funding for Retail
Retail lives and dies by inventory timing. Lúmen funds stores to stock up before the rush, refresh the floor, and bridge the gap between buying goods and selling them.
What retail businesses are up against
Inventory timing
You pay for holiday and seasonal stock months before customers buy it — a huge upfront cash demand.
Seasonal peaks
A few key weeks can make the year, but only if you've funded the inventory and staff to capture them.
Storefront refresh
Keeping the space modern and inviting takes periodic investment that competes with inventory dollars.
Card-sales swings
Daily and seasonal sales variation makes a rigid monthly payment an awkward fit.
Funding solutions for Retail
These products fit how retail businesses actually operate. Explore each in detail.
How we help retail
Common use cases
- Stock up before the holiday season
- Refresh fixtures and storefront
- Bridge buying inventory and selling it
- Fund a marketing push or pop-up location
“A revolving line let us load up on holiday inventory in September without draining the bank. We sold through and paid it right back down.”
Do you qualify? Most retail businesses with 6+ months in business, $15,000+ in monthly revenue, and a 500+ credit score can qualify. Checking your offers takes about five minutes and won't affect your credit score.
Fund your retail business
Tell us your goal and a funding advisor will match you to the right product — usually within minutes. Apply with no impact to your credit score.