Whether your retail business relies heavily on the e-commerce space, or you occupy a traditional storefront to sell your products or services, you know just how demanding a retail business can be and how competitive it is out there across a variety of industries. If you are looking for a way to help your retail business stand out from the rest of the crowd, you may need to enact some changes to your business. Your retail business may benefit from a remodel, a shift in marketing strategy, or simply a reinvestment in human capital. You know your retail business better than anyone, but there is one thing that all smart small business owners know that it is absolutely crucial to partner with a responsible and reliable source for working capital, and to do so early on.

Why Choose Upstream for a Retail Business Loan?

At Upstream, we specialize in helping businesses of all types to grow and thrive through our custom tailored small business loan programs. While some small business owners immediately gravitate toward a bank or credit union when it comes time to apply for small business financing, these institutional lenders tend to operate slowly, deliver low approval rates, and provide a narrow selection of lending opportunities. We operate differently creating our own underwriting guidelines, lending principles, and small business loan options, to deliver a powerful suite of retail business loans that can help your business operate more efficiently and effectively. Partnering with us provides several key benefits, including:

A quick and easy process: All we need to get going is a short application and 3 months of your bank statements. Once you have finished completing the application process, we will conduct a quick review and provide a lending decision often the same day not weeks or months like some traditional lenders. Once you receive an approval, we can fund your business loan quickly, in as few as 24 hours.

Fixed terms and automated payments: At Upstream, we offer a variety of business financing solutions for retail business owners with fixed, automated repayments to further simplify the process for business owners. Our goal is to provide you with affordable and accessible small business capital that will help your business grow all without negatively impacting your monthly budget.

High approval rates: Even if you have a low credit score or derogatory information in your credit file, we can still often help. We offer much higher approval rates than traditional lenders because we understand that you are more than a credit score your business is a revenue generating machine that can be made that much more effective and efficient with one of our small business loans. We responsibly underwrite our loans yet we can still provide small business capital to a variety of retail businesses that have been turned down elsewhere.  

Benefits of a Retail Business Loan

A small business loan can help your retail business in so many ways and many of our clients have found that an influx of affordable capital makes all the difference in effectively running their establishments. Apply today:

  • Use your small business loan to hire additional staff during busy times, or train existing staff to operate more effectively.
  • Consolidate debt or pay taxes.
  • Renovate or rehab your existing location to improve curb appeal for the overall client experience.
  • Stock up on inventory for those busy times of year like the holidays and other high traffic opportunities.
  • Take the first step toward improving the operating efficiency of your retail business by applying online today. One of our incredible loan specialists will work side-by-side with you to create a customized small business loan for your retail business one that helps you accomplish your short to medium-term financial goals, while still fitting easily within your budget. From improving your monthly budget by paying off high interest debts to supporting the onboarding and hiring of new staff members, you’ll quickly see why a retail business loan from Upstream is truly the answer you’ve been looking for. Contact us today to get started!

    Upstream is here to help you find the exact financing solution to fit your needs. Our dedicated Business Advisors are with you at every step, making the process fast and easy. Here are just a few benefits of working with us:

    Flexible Repayments

    Repayments are based on a percentage of daily credit card sales, so we only make money when you make money

    Fast Approval

    Apply online or over the phone in minutes, get approved in a few hours and access funds in as fast as one day!

    Financing Now

    Get up to 250% of your monthly credit card sales volume in one lump sum to take care of the things you need for your business.

    Apply Now!

    Need Funding for your Retail Business?

    Get flexible, fast funding solutions to meet your needs, including:

    Purchase Equipment
    Hire Skilled Professionals
    Inventory Purchase

    Get funded in 3 Easy Steps

    In just three easy steps, you can access the right financing solution for your business. Our application and approval process will allow you enough time, effort and energy to focus on what matters to you the most- your business!


    Complete the form

    Click here to request a free quote, and an Account Executive will contact you shortly after to discuss your options.


    Get approved in 24 hours

    Our streamlined application process allows us to provide you with a decision within 24 hours


    Receive funds in 3 days!

    Once approved, it’s an easy transition. You can expect the funds to be deposited into your account in just 3 days!


    Avoid the brokers and “middlemen” fees:

    You won’t have to worry about extra expenses. You can put your resources towards the most important initiatives for your business.

    Avoid having your credit run multiple times:

    No matter what your credit score, we offer cash advances with just a single credit run.

    Build a real relationship:

    Work directly with a dedicated Funding Manager that will help you design a creative and customized plan based on your business needs.

    Almost all business types and industries are accepted:

    There is virtually no limit to the type of business we work with.

    No collateral or personal guarantee required:

    You can get the funding you need without the worry of placing your personal property or assets at risk.

    Near instant approval:

    With minimal documentation necessary, you receive your funding much faster than a bank loan so you can get back to building your business.

    What do you need to Qualify

    3+ months in business

    $10,000/ Month Gross Sales

    Completed Application

    Apply Now!

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