Retail business loans can help you stand out in the competitive retail industry by giving you the capital you need to make intelligent investments.

At Camino Financial, we don’t leave businesses behind. That’s why we designed our financing programs to meet the financial needs of your industry. 

We have loans ranging from $1,500 to $400,000 to help your retail business grow and expand in this sales-driven industry.

What Are Retail Business Loans?

A retail business loan is a financial product that offers a lump sum to approved applicants. Owners can use them to make investments, strengthen cash flow, and consolidate existing debt, among other uses.

Loans are a fantastic credit alternative for retail businesses that need external capital to finance all their expenses. 

They can help retail small business owners; it doesn’t matter if they need to:

• buy merchandise
• staff the correct number of employees
• balance consumer demand with sales
• improve their cash flow during the slow seasons
• create programs that promote brand loyalty

Department stores, warehouse retailers, online e-commerce platforms, and used-good stores of any size can benefit from getting a commercial loan to help their businesses thrive.

Camino Financial’s Lending Products And Requirements

As the first Neo-CDFI in the country, we thrive on helping unbanked small businesses. That’s why we offer minimal loan requirements.

You can apply for our business loan with both SSN and ITIN, even if you don’t have a previous credit history.

Here are our different retail store business loans:

Learn more about our startup loans

Learn more about our microloans

Learn more about our small business loans

Still don’t know which product is the best match for your needs? Use our business loan calculator:

Term Loan Calculator

Loan Amount

Payment TermPlease select24 Months30 Months36 Months48 Months60 Months

Monthly Interest RatePlease select1%1.25%1.5%1.75%2%2.25%2.5%

How Can I Use A Retail Loan For Businesses? Here are some common ways to use retail business loan proceeds.
Upgrade Equipment And Fixtures You may need to replace cash registers or install security cameras. Or you might need new display cases, shelves, and fixtures. Retail loan products can help you pay for all that.	Purchase Inventory And Supplies Stocking up on merchandise that sells, and negotiating with suppliers for the best price are crucial for success. Retail financing programs can give you the capital you need to make it happen.
Redesign Your Store You could renovate your building to add more storage space or give your storefront an engaging environment that appeals to shoppers.	Invest In Technology To get repeat customers; you need money for in-store Wi-Fi, mobile POS systems, in-store kiosks and apps, and digital pricing to update inventory.
Boost Marketing Strategies Retail business loans provide the funds needed to hire a marketing professional that will implement new advertising strategies.	Cover Bills And Other Expenses Retail business loans provide financial help to pay utilities, payroll, insurance, legal and accounting services, and other monthly expenses.
Hire And Train Workers A retailer’s busiest seasons require having enough floor employees and managers to handle sales. With retail business loans, you can finance the associated costs of hiring and training employees.	Expand Your Business Financing available for retail business owners can give you to expand your business from a brick-and-mortar store to an eCommerce and vice-versa. You could also introduce a new product line.
Strengthen Cash Flow Retail sales can ebb and flow during holidays and seasons. But, with the help of retail business loans, you can fill the gap between inflows and outflows of cash.	Create Customer Rewards Programs You can promote customer loyalty by giving discounts to regulars or creating exclusive sales. Financing for retail stores can allow you to market these programs and pay for them.

Apply today!

How To Get A Loan For A Retail Store?

It takes less than 10 minutes to apply for a Camino Financial’s Small Business Loans:

		1. Complete An Application Our retail store business loan process is straightforward from beginning to end. You answer a few questions, submit your application, and learn instantly if we prequalify you.
2. Provide Extra Documentation Depending on which type of loan you apply for, we may ask for additional documents. This could include asking for access to your banking account or verifying your identity.	3. Review The Loan Terms We send your retail business loan agreement for your review and acceptance. If you agree with the terms, you sign the document electronically.	4. Get Loan Proceeds After completing the loan approval process; we deposit the loan proceeds into your bank account.

*The process may slightly change depending on the financial product you qualify for.

Why Choose Camino Financial’s Business Loans For Retail Stores?

Compared to other lending institutions, our retail business loan benefits are second to none.

• More cash at better terms after 8 timely payments
• No hard credit pulls
• Very competitive business loan interest rates
• Collateral to secure the loan is not required
• 100% secure paperless online application
• Bilingual customer service representatives (Spanish and English)

Apply today and discover for yourself that we’re your best option.

Other Useful Resources

How To Apply For A Business Credit Card Without SSN

How To Build Business Credit Quickly

6 Steps to Develop a Financial Plan For Your Small Business

Best Credit Union for a Small Business

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