Line of Credit
Stock up before peak season and draw only what you need.
Learn moreFunding for Retail.
Retail is all about timing — having the right inventory before the rush. We fund the stock so you never miss a peak.
The Reality
Retail Funding Challenges.
Retailers tie up cash in inventory and ride sharp seasonal peaks and valleys.
Inventory Ahead of Sales
You buy holiday and seasonal stock months before it sells.
Seasonal Peaks & Valleys
A huge fourth quarter is followed by a slow first quarter that still has bills.
Expansion Costs
Opening a second location demands serious upfront capital.
Thin Margins
Discounting and competition leave little room for cash-flow mistakes.
Built for the Trade
Funding Solutions for Retail.
Retail timing calls for fast, flexible capital.
Merchant Cash Advance
Repay from daily card sales — heavier when busy, lighter when slow.
Learn moreShort-Term Loans
Fund a buildout or bulk inventory buy quickly.
Learn more$120K
Avg. funding
Sameday
Funding available
3,100+
Retailers funded
95%
Funded within 48 hrs
Where the Money Goes
What Retail Operators Fund.
Retail capital flows into inventory, locations, and the busy season.
Common Use Cases
- Seasonal inventory stocking
- Second-location buildout
- Bridging slow quarters
- POS & store-tech upgrades
- Holiday marketing pushes
From the Field
What They Say.
We tripled our holiday inventory with an Ironclad line of credit and sold through almost all of it. The extra stock paid for itself many times over — we'll do it again every year.
★★★★★
Dana W.Owner, Boutique Retail
Eligibility
Do You Qualify?
If you run a retail business and meet our simple baseline, you're likely a fit. Checking your options is a soft pull and never affects your credit score.
See If You QualifyThe Baseline to Qualify
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
Stock the Shelves.
Have the right inventory before the rush.