Amount, use and timing
Identify the expense and select the funding purpose and urgency that correspond to it.
Business financing referrals · Independent retailers
Explore funding for the stock behind your next retail season.
Stock, fixtures and checkout equipment have to be paid for on different schedules. Outline what the shop needs to buy and when those purchases are expected to become sales.
Independent retailers · funding preparation
Account for the interval before customers pay
A stocked shelf is not yet a customer receipt. Keep slow-moving stock, markdowns and normal operating bills visible when comparing a financing offer with the buying plan.
Moving your request forward
Follow your request through the next steps
Operating information
Complete the business-name, industry, revenue and history fields together with the approximate credit range.
Review and send
Check your answers, review the consent wording and use the verification code before submitting the request.
Needs to describe
Identify the purpose of the funding
Seasonal inventory
A seasonal range often arrives before its main selling period. Use past sell-through and supplier deadlines to define the order rather than relying only on the available discount.
Store improvements
Shelving, display units and lighting can be changed during quieter trading periods. Include installation and the cost of keeping merchandise secure while work takes place.
Point-of-sale equipment
Terminals, scanners and stock-control tools may involve setup and monthly service charges. Separate the initial hardware expense from ongoing processing or software costs.
Put the offer beside your budget
Match the offer to the expense you described
Proceeds and deductions
Confirm the sum available for the purchase after any withheld charges.
Repayment and fees
Add the scheduled payments and other costs to understand the overall obligation.
Terms and flexibility
Read provisions covering guarantees, early settlement and changes in the business.
Collect the key details
A useful checklist before you begin
Gather the business basics and check the expense calculation before you begin the application.
- 01Your purchase plan, estimated cost and schedule
- 02Your revenue bracket and how long the business has run
- 03Your business category, name and approximate credit band
- 04The owner’s contact information and phone access
Information for business owners
Points to review before starting
What should I understand about provider referrals?
The referral process involves selling submitted application information to funding partners, with no more than five receiving one request. We receive partner payments whether the request is funded or not and impose no application charge on you.
How does a provider decide?
The requested amount expresses what the business wants to explore. It is not an approved amount, and a funding partner may offer different terms or no financing at all.
Why can request timelines differ?
Submission and receipt of funds are different stages. Any timeline must be confirmed with the funding provider after it has reviewed the request.
How do contact preferences affect the request?
Read the disclosures presented with the application rather than relying only on this page. Submission includes a separate contact-consent review and a mobile verification step.
Describe the business goal
Make your next business purchase the starting point
Use the form to present your business funding need, including the amount and purpose of the request.