Inventory ahead of sales
Holiday and promotional stock must be bought and paid for long before it sells through.
Your biggest sales weeks require buying inventory months ahead. Quartz funds the stock so you're never caught short at the register.
We've funded enough retail businesses to know exactly where the pressure points are.
Holiday and promotional stock must be bought and paid for long before it sells through.
A large share of annual revenue can land in a few weeks, demanding heavy up-front investment.
Keeping both the storefront and the online channel stocked and marketed stretches working capital.
Three products our retail clients reach for most. Tap any one to see how it works.
Reusable capital you draw on demand and only pay for when used.
Explore Line of CreditA lump sum repaid as a slice of daily card sales.
Explore Merchant Cash AdvanceA fast lump sum with fixed payments for a defined need.
Explore Short-Term Loans“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.”
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.
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.
Tell us what you need and a funding advisor will recommend the right product — at no cost and with no impact to your credit.