Inventory bought months early
Holiday and seasonal stock must be ordered and paid for long before customers walk in to buy it.
Industries we serve
Stock up for your busiest season.
Retail lives and dies by inventory timing and the holiday rush. We help you buy ahead, refresh your storefront, and ride out the slow months.
The challenges
What makes retail funding different
We have funded enough retail businesses to know exactly where the cash-flow pressure points are.
Feast-or-famine cash flow
A huge fourth quarter is followed by a lean first quarter, making steady expenses hard to cover.
Storefront and experience costs
Refreshing displays, fixtures, and the in-store experience is essential but rarely budgeted for in slow seasons.
Competing with online giants
Keeping the right products in stock and the doors attractive takes capital that ties up cash fast.
Funding solutions
Funding solutions for retail
Based on how retail businesses actually operate, these are the products our advisors recommend most.
By the numbers
The retail reality
Up to 30%
of annual sales in the holiday quarter for many shops
3–4 months
lead time on seasonal inventory orders
Same day
funding for time-sensitive inventory buys
In their words
A retail owner like you
“We bet big on holiday inventory using a Solstice line of credit, sold through almost all of it, and paid the line back by February. Without it we would have ordered half as much and left money on the table.”
Eligibility
Do you qualify?
Retailers with 6+ months in business, $15,000+ in monthly revenue, and a 500+ credit score are well suited — and strong card sales can strengthen your options further.
- 6+ months in business. Enough history to show us how you operate.
- $15,000+ in monthly revenue. Steady revenue is what we care about most.
- 500+ credit score. We weigh the full picture, not a single number.
Capital built for retail.
Apply in five minutes and talk to an advisor who understands your trade.