retail clothing shop owner
Camino Financial
By: camino-financial
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Retail Business Loans

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.

Apply now!

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:

Startup Loans

Amount$1,500 to $7,500
Type of paymentMonthly
Repayment terms12 to 36 months
Annual interest rate33% to 35% (APR)
Type of rateFixed
Origination fee$90 in California, $0 in Florida (included in the APR)
  • monthly income of $1,500
  • have a bank account that’s been active for at least 6 months

*Our startup loans might not be available everywhere.

Learn more about our startup loans



Amount$5,000 to $30,000
Type of paymentMonthly
Repayment terms24 to 36 months
Annual interest rate28.50% to 57%
Type of rateFixed
Origination fee6.99% of the amount
  • monthly revenue of or $2,500 (or $30,000 per year)
  • have an active and registered business for at least 9 months

Learn more about our microloans


Small Business Loans

Amount$10,000 to $400,000
Type of paymentMonthly
Repayment terms24 to 36 months
Annual interest rate21.75% to 27.5%
Type of rateFixed
Origination fee5% of the amount
  • monthly revenue of or $2,500 (or $30,000 per year)
  • have an active and registered business for at least 9 months

Learn more about our small business loans


Get a loan


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

Term Loan Calculator


How Can I Use A Retail Loan For Businesses?

Here are some common ways to use retail business loan proceeds.

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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.

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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.

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Redesign Your Store

You could renovate your building to add more storage space or give your storefront an engaging environment that appeals to shoppers.

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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.

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Boost Marketing Strategies

Retail business loans provide the funds needed to hire a marketing professional that will implement new advertising strategies.

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Cover Bills And Other Expenses

Retail business loans provide financial help to pay utilities, payroll, insurance, legal and accounting services, and other monthly expenses.

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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.

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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.

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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.

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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:

illustration of man sitting on a pile of money

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.

Get a Quote

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

How to Find Angel Investors: Learn From the Experts



How do I get the best retail business loan?

If you are a retail business, fill out an application online, give access to your banking account information, and submit requested documents. If you meet the minimum requirements, we’ll approve your loan.

How do retail businesses get funding?

You must meet a lender’s requirements. Examples include your credit score, annual revenue, number of years in business, a list of collateral, copies of tax returns, personal guarantee, business credit profile, and loan usage.  

At Camino Financial, receiving approval is easier than with other lenders because we have minimal requirements.

What are the types of retail credit and loans?

There are different types of financial products your retail business can access:

  • Unsecured business loans (such as ones provided by Camino Financial)
  • SBA 7(a) loans 
  • a business line of credit
  • merchant cash advances
  • equipment and inventory financing

*Terms and requirements subject to change without notice.

Check if you
qualify for a loan