Funding for retail, built around your cash flow.
Shim Capital gets retail shops and specialty stores $25,000 to $5,000,000 in working capital — fast, flexible, and structured around how your business actually earns. Use it for inventory, seasonal buys, buildout and marketing.
See What You Qualify For →Every kind of capital, one quick application
Most lenders push one product. We structure across the whole market and match retail shops and specialty stores to what actually fits — then move fast.
How funding works for retail
Retailers live and die by inventory timing — you pay for stock weeks before it sells, and the best wholesale discounts require buying in bulk up front. That gap, plus seasonality, is exactly what working capital solves. We fund retailers on their sales volume, so you can stock the shelves before the rush, not after.
What retailers use it for
Buying inventory ahead of a peak season, taking a bulk-purchase discount, opening or remodeling a storefront, upgrading POS and security, launching a marketing push, bridging supplier net-terms, or adding an e-commerce arm.
Why it fits
Fast approvals let you act on a time-sensitive inventory deal, and revenue-based repayment flexes with your sales so a slow stretch doesn't crush you. $25,000 to $5,000,000, no collateral, all credit welcome.
Ready to fund your retail business?
Apply in 2 minutes · Approvals in as little as 24 hours · No collateral · All credit welcome
Get My Funding →Retail funding by state
We fund retail shops and specialty stores nationwide. Find your state:
Frequently asked questions
How much funding can a retail business get?
Shim Capital arranges $25,000 to $5,000,000 for retail shops and specialty stores, sized to your monthly revenue and cash flow — most offers land between 50% and 150% of a typical month's deposits.
How fast is approval?
Approvals come in as little as 24 hours, and funds can reach your account the same day once your last 3–4 months of business bank statements are in.
Do I need good credit or collateral?
No collateral required, and all credit is welcome. We underwrite primarily on your business's revenue and deposit history — not just a FICO score.