Financing for retail stores
Retail's capital is on the shelf: the season is bought months before it sells, and the bank's operating line — margined against receivables a retailer doesn't have — rarely covers the buy. Voxen Capital structures inventory financing from $50,000 to $2,000,000, advancing typically 50-70% of the cost value of eligible stock, and merchant cash advances from $10,000 to $1,000,000 approved on deposit flow in 24 to 72 hours when the stock or the paperwork doesn't qualify.
Start an applicationThe season is paid for before it sells
A retailer commits to the season early — orders placed, deposits paid, containers booked — months before the first sale. The cash comes back through the till slowly, and the next season's commitments start before this one finishes selling.
Banks margin operating lines against receivables. Retail has inventory instead, and buying stock consumes cash without creating a receivable the formula counts. The inventory itself is the unlent asset — and it can carry its own facility.
Where the stock is hard to appraise or the records are thin, deposit flow carries the file instead: card settlements are daily, underwritable, and a revenue-based advance funds in days with remittances that follow sales through the season.
Retail segments we structure financing for
- Apparel, footwear, and accessories
- Furniture and home goods
- Grocery and specialty food
- Sporting goods and outdoor
- Electronics and appliance retailers
- Multi-location and franchise retail
How retail financing works at Voxen
- Send your inventory listing and statements — A cost-value inventory listing with supplier invoices drives the inventory file; six months of bank statements drive the advance. Send both and we quote both.
- Offer within 24 hours — Working-capital files typically receive a structured offer within 24 hours of a complete submission.
- Funded in days — Inventory facilities fund in days once reporting is in hand; advances fund in 24 to 72 hours.
- Facility revolves with the season — The inventory facility repays as stock sells and redraws as it restocks, on 3 to 12 month revolving terms sized to your turn.
The products retailers use
Inventory financing is the better-priced instrument when the stock qualifies; the advance closes files the stock can't carry. Many retailers start on one and graduate to the other.
| Inventory Financing | $50K–$2M · Days, once reporting is in hand |
|---|---|
| Merchant Cash Advance | $10K–$1M · 24–72 hours |
Frequently asked questions
How much can I borrow against my stock?
Typically 50-70% of the cost value of eligible inventory, on facilities from $50,000 to $2,000,000. Standard goods with a live resale market sit at the top of the range; seasonal, perishable, or custom stock sits lower. Cost value is evidenced by supplier invoices and a periodic inventory listing.
My credit took hits but the store is busy. What fits?
That's the advance profile: approval follows deposits, not the credit score. If the store also holds standard resellable stock, we quote an inventory facility in parallel — security can carry a file that credit alone would not.
Does the stock leave my store?
No. The inventory stays on your shelves and keeps selling normally. The lender registers a charge against it and you provide a periodic listing — the stock is the collateral, not a pawn.
Can e-commerce or warehouse stock be included?
Yes — stock in third-party warehouses or fulfilment centres can be financed once the warehouse acknowledges the lender's charge. Platform sales reports serve the same role as POS data in setting the facility.