The Best Lines of Credit for Retail Companies

Funds readily available through a line of credit are essential for preparing and handling unexpected expenses.

Truly amortized product, where you only pay interest on money that is drawn from line.

Unsecured programs, no collateral needed, up to $250,000.

Annual Interest Rates are Prime (8.5%) + 0% to 2%.

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*FREE to Apply & NO credit check
Approvals Up To
Terms as low as
WSJ PR + 0% -2%
Approvals as fast as
With access to affordable capital our Retail clients can successfully expand their business

Grow Your Business with a Line of Credit.

Funds that are Available When You Need Them Most.

Retail Stores often require large sums of money upfront or in advance which may not be possible without proper financing arrangements.

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A Quick and Easy Process from Start to Finish.

Finding the perfect line of credit facility is now easy! We work closely with you every step of the way to ensure everything goes smoothly.

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How Line of Credit Depot Works:

To qualify for a line of credit, your retail company should have demonstrated profitability on the most recent filed business tax return. This showcases your ability to afford payments after drawing funds from the line of credit. Even if your last tax return shows net losses, you may still be eligible.

Certain expenses (non-taxables) on the return can be "added back"
to the net profit amount, bringing your business to a qualifying requirement.

Examples of expenses that may be added back in are certain interest paid on borrowed money and depreciation expense incurred by use of equipment or real estate owned by company's members other than owner/officer/partner who is requesting loan.

Truly amortized product, where you only pay interest on money that is drawn from line.
Unsecured programs, no collateral needed, up to $250,000.
Annual Interest Rates are Prime (8.5%) + 0% to 2%.
Monthly payments with interest only options
How much do you need to access?
*FREE to Apply & NO credit check
Recent Success Story
Retail store amps up due to a Line of Credit
Jessica owns a retail store company in Baltimore focusing on fashion and lifestyle products. Her success was driven by her determination and financial support from Line of Credit Depot.

Facing financial challenges, Jessica sought help from Line of Credit Depot. With their line of credit, she could financially elevate her store. This credit line addressed needs from restocking to marketing campaigns.

The credit line enabled Jessica to adapt quickly to fashion trends, making her store a go-to shopping destination. It also allowed her to invest in an appealing store design, transforming her store into a loved shopping experience.

The credit line gave Jessica the ability to seize business opportunities like exploring new product lines and collaborations. Her store's success is a testament to her proactive approach.

Line of Credit Depot, offering competitive rates and flexible financing options, enabled Trendy Haven to thrive in the retail world.

Jessica’s story illustrates how Line of Credit Depot's line of credit can help a retail store flourish. If you're a retail owner looking to grow, overcome financial challenges, or stay industry-leading, consider applying for a line of credit from Line of Credit Depot.

We provide the Retail industry with bank-level financing

Streamline the process by filling out a simple online application. Say goodbye to lengthy paperwork and complex forms.
Our team of financial experts is dedicated to understanding your unique needs. We'll work closely with you to define the perfect financing option tailored to your business requirements.
Receive a range of offers from our trusted network of lenders. Take your time to evaluate and compare the options available. Choose the one that aligns perfectly with your goals and vision.
Experience the joy of quick and efficient funding. Within just a few days, your business will have the financial boost it needs to thrive. It's that simple!

"See if you qualify before you apply. Answer a few questions about your business to get a pre-approval."

Matthew Elling
Small Business Financing Expert & Founder of Line of Credit Depot
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Whether you own a physical or online store, you know that besides having products to sell, you also need foot traffic. A line of credit can help you bring in more customers. Advertising isn’t cheap, but if you can finance the marketing costs before sales catch up to the outlay, you would be better served. This is how a line of credit can be used. Paying upfront for advertising, before you see the results, means that you don’t have to drain business operational cash reserves that are held for general business expenses, like rent, utilities and payroll.

The qualifications to be approved for a line of credit vary by State, so please check on our website to learn about these qualifications. Most usually though, retail business owners are surprised that they qualify for a line of credit, because they are so accustomed to expensive ‘cash advance’ debt that is paid back daily or weekly. These MCA’s are not a loan, but a purchase of future receivables, where interest is front-loaded. A line of credit is completely different from a Merchant Cash Advance, because of the amortization schedule of a line of credit. This basically means that the longer you owe the debt, the more interest you will pay.
Generally, lines of credit that are offered from our ‘small business friendly banks’ start at 4% annual interest.

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Real bank lines of credit are available across the country for the retail industry. Which State your business is located in can affect what lines of credit are available.

Despite this, most bank lines are revolving facilities. A revolving line of credit is similar to a credit card, with a predetermined limit and balance that fluctuates as money is drawn from the line and as principal is paid back. This ebb and flow of the credit facility is advantageous for owners of retail businesses. So, whether you own a brick and mortar retail store or operate solely online, a line of credit should definitely be adopted!

Retail is one of the top industries to benefit from a line of credit, because of the product purchasing and sales structure. Buy low, sell high is the business model in a nutshell, but margins can be taken over if the wrong type of debt is used to buy inventory. Normally, owners of retail stores don’t borrow money in the form of loans to purchase inventory. They have an inventory line of credit that can help them finance more goods. 

The constant balance of keeping inventory and the financial burden this causes is offset by a line of credit. The cost of goods sold, can be absorbed by the line of credit, so then as the products sell, this cost of good sold debt can be repaid and the business can make the margins. The cost of doing business to actually purchase the goods is basically the interest rate of the line of credit. This will lower your margin, or you can add this expense to the actual cost of goods. This way you can keep the same margin percentage for your business.