Fast retail financing to stock up on growth

Scale your retail or eCommerce business with flexible funding available in as little as 24 hours.

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Financing in as little as 24 hours
No impact to your credit score

Keeping shelves full with working capital

We’ve helped grow both brick & mortar and eCommerce brands across the U.S.

More Than

1

Financing Provided Nationwide
Over

150

Retail Financing Dispersed
Achieving

75

Years Helping SMBs Grow

How retailers scale with retail business financing

Ways store owners and eCommerce business owners use working capital to grow.

Open new retail locations

Launch new storefronts and pop-up shops; invest in warehouse space.

Fast

Payroll and seasonal hiring

Hire sales associates, store managers, and customer service employees.

Construction

Invest in store renovations

Improve the shopping experience by remodeling; make interior and exterior improvements.

Lower costs: early payoff options

Purchase inventory

Get discounts with bulk purchase orders; stock up for the holiday season in advance.

Expand eCommerce operations

Fund website redesign, Shopify improvements, and marketplace costs.

Fund marketing campaigns

Quickly tap into opportunity; afford top influencers when they are trendiest.

Upgrade retail technology

Invest in state-of-the-art POS systems and inventory management software.

Equipment financing

Acquire shelving, security systems, kiosks, and other assets to help your business grow.

Cover seasonal cash flow gaps

Invest in your busiest seasons even when cash flow is slow.

Find the best product to fund your business

Flexible funding options customized to your needs

  • Revenue Advance by VOX Funding

    Fund growth with a rapid, pre-approved lump sum.

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    Revenue advance MCA

  • Invoice Factoring by VOX Factor

    Don’t wait 90 days to prepare for peak season, we purchase up to 90% of your invoice value today.

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    Invoice Factoring by VOX Factor

  • Business Line of Credit by Chedr

    Access capital when you need it — pay for what you use.

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    Business Line of Credit by Chedr

  • Amortizing Loan by Chedr

    Get a lump sum to invest in your business with structured repayment over time

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    Amortizing Loan
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*Financial solutions are delivered through separate legal entities

Hear from retail business owners getting results

“As a startup, it has been challenging for us to receive financial support from the traditional institutions. However, VOX Funding has believed in my company's mission and was supportive every step of the way. We truly felt valued and supported. ”

Annie H.

Co-Founder, eCommerce Beauty Business, West Hollywood, CA

“VOX has been a life saver for me and my business. When certain issues would come up VOX has always been there to help me with funding.”

Danielle L.

Salon Owner, Bel Air, MD

Retail and eCommerce industry deals

  • Retail

FAQ

Everything you need to know about financing your retail business. Can’t find what you’re looking for? Feel free to Contact Us.

We provide working capital ranging from $5,000 to more than $2 million.

We offer multiple flexible financing options, some of which you pay back through future revenue, which is known as revenue based financing (RBF), this includes revenue advance (a.k.a. merchant cash advance or MCA), term loan, and invoice factoring which is popular for inventory purchases. We also offer a flexible business line of credit.

Yes. If your startup has been in business for one year or more and generates revenue we can help.

You must accept credit cards, have a business registered in the U.S. with a checking account, 1+ years in business, and generate $10K or more in monthly revenue. We typically require FICO (a type of credit score) of 600 or above.

*Term loans are offered through our Chedr subsidiary

Unlike a bank loan, most of our products use factor rates rather than interest rates. This is common for working capital providers.

A factor rate is a fixed cost that’s agreed upon upfront. Instead of interest accruing over time, you repay the original funding amount plus a predetermined fee. This means your total repayment amount won’t increase if you take longer to repay, nor will it decrease if you repay early (unless your agreement includes an early payoff discount).

The factor rate you qualify for vary per applicant. They take into account your business’s revenue, cash flow, industry, time in business, and overall risk profile. Our business line of credit*, which does use an interest rate, is also variable.

Our underwriting team reviews each application individually to offer competitive pricing tailored to your business’s financial profile.

*Offered through our Chedr subsidiary

It takes just a few minutes to fill out an application. We’ll need 3-4 recent bank statements. Processing typically takes less than one business day with a lump sum available that day if you need fast processes.

Funds can be in your bank account the same day.

We work with many seasonal businesses. Just reach out to our team and we will adjust your original terms to reflect your current cash flow.

Yes. Many franchises are just small businesses. We’ve helped many franchise and multi franchise owners open new locations, and support the International Franchise Association Foundation to support small businesses through franchising.

We provide revenue-based financing products. Pay back is via a portion of future revenue. Funding is faster with flexible eligibility requirements. We don’t look at assets on the balance sheet like a traditional bank. Factor rates, rather than interest rates, are used for revenue-based financing products.

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Ready to get your retail or eCommerce business funded?

VOX Funding gets you quick access to the capital your business needs. Apply today to see which VOX Funding Program is right for you.

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