Retail Business Funding
Stock Up, Grow Fast
£5,000 to £500,000 for stock purchases, store improvements, expansion, or seasonal inventory.
Decision in 24 hours. Flexible repayments based on your sales.
What Retail Businesses Use Funding For
Whatever your retail challenge, we can help
Stock & Inventory
£10K-£100KOrder new stock, take advantage of bulk discounts, prepare for seasonal peaks, or diversify product ranges.
- Pre-season stock orders
- Bulk purchase discounts
- New product lines
- Supplier deposits
Store Refurbishment
£15K-£60KModernize your store to increase footfall and sales. New fixtures, lighting, flooring, and displays.
- Shopfront upgrade
- Interior redesign
- New display units
- Lighting improvements
Expansion & New Locations
£25K-£150KOpen second location, expand current premises, or move to larger space. Capitalize on success.
- Lease deposits
- Fit-out costs
- Initial stock for new store
- Extra staff hiring
E-commerce Setup
£5K-£30KLaunch or upgrade online store. Website development, photography, initial online inventory.
- Website development
- Product photography
- E-commerce platform
- Digital marketing
Seasonal Preparation
£20K-£80KPrepare for Christmas, Black Friday, summer sales. Stock up when suppliers offer best terms.
- Christmas stock
- Black Friday inventory
- Summer collections
- Back-to-school ranges
Cash Flow Management
£10K-£50KBridge slow periods, cover rent and wages during quiet months, or manage payment terms with suppliers.
- Winter cash flow
- Rent & wages cover
- Supplier payment terms
- Business rates
Retail Success Story
Threads & Co, Sheffield
Independent Fashion Boutique • Women's Wear • Established 2021
The Challenge
Autumn and party-season stock needed paying for upfront while summer sale cash was still clearing. A high-street competitor had expanded nearby, so empty rails would have sent shoppers elsewhere.
The Solution
£19,000 approved in 24 hours against our card sales. We locked in seasonal lines and deeper sizes from two key suppliers and topped up accessories for the Christmas rush.
The Results
- Stocked 50% more seasonal inventory
- Sell-through on coats and knits ahead of plan
- £30,000 additional revenue across peak weeks
- Repaid in 7 months
- Renegotiated better terms with a core supplier
- Strongest festive trading month to date
"The £19,000 landed in time to buy our seasonal stock properly — not the watered-down order we'd have scraped together otherwise. Repayments tracked our card takings, so when January was quiet we weren't crushed. Shelves looked full when it mattered."
Why Retailers Choose MerchantSwitch
We understand retail cash flow and seasonal challenges
Seasonal Flexibility
Repayments automatically adjust with your sales. Quiet January? Pay less. Busy December? Pay more. Perfect for seasonal retail patterns.
Fast Stock Financing
Don't miss buying opportunities. Get funded in 48 hours to secure stock at best prices, take advantage of trade show deals, or lock in bulk discounts.
No Long Applications
Apply in 3 minutes, not 3 hours. We just need your card sales history and bank statements. No detailed business plans or projections required.
Retail Expertise
Our team understands retail margins, seasonal cycles, and supplier payment terms. We speak your language and understand your challenges.
No Stock as Collateral
Don't put up your inventory as security. Funding is based on card sales performance. Your stock stays yours.
Growth Partner
First advance of £18K? Great. Come back in 6 months for £35K. We grow with your business and offer increasing amounts as you succeed.
Stock Your Shelves, Grow Your Retail Business
Join 150+ UK retailers who've used MerchantSwitch funding for stock, refits, and expansion.
Decision in 24 hours • Funds in 2-3 days • Options with & without personal guarantee