Industry funding

Funding for Retail

Your biggest sales weeks require buying inventory months ahead. Quartz funds the stock so you're never caught short at the register.

The challenges

What makes retail cash flow hard

We've funded enough retail businesses to know exactly where the pressure points are.

Inventory ahead of sales

Holiday and promotional stock must be bought and paid for long before it sells through.

Seasonal revenue peaks

A large share of annual revenue can land in a few weeks, demanding heavy up-front investment.

Omnichannel costs

Keeping both the storefront and the online channel stocked and marketed stretches working capital.

By the numbers

Retail at a glance

$7.1T
U.S. retail sales / yr
~30%
Q4 share of sales
24 hrs
Line-of-credit draw
“A line of credit let us load up on holiday inventory in September and repay as it sold through December. We never ran out of our bestsellers.”
Aisha Bello
Owner, North Star Goods

Do you qualify?

Brick-and-mortar, e-commerce, and omnichannel retailers operating 6+ months with $15,000+ monthly revenue and a 500+ credit score qualify.

Checking takes minutes and never affects your credit score.

Good to know

Frequently asked questions

It depends on the product — a merchant cash advance or invoice advance can fund the same or next business day, while larger loans are typically approved within 24–48 hours.

Our advisors match the product to your cash-flow pattern and goal. The three above are the most common fits for your industry, but you can compare every option on our services page.

A short application and three months of business bank statements. There's no hard credit check just to see your options.

Ready to fund your retail business?

Tell us what you need and a funding advisor will recommend the right product — at no cost and with no impact to your credit.