Retail Business Funding
Stock Up, Grow Fast
£5,000 to £1,000,000 for stock purchases, store improvements, expansion, or seasonal inventory.
Decision in 24 hours. Flexible repayments based on your sales.
What Retail Businesses Use Funding For
Whatever your retail challenge, we can help
Stock & Inventory
£10K-£100KOrder new stock, take advantage of bulk discounts, prepare for seasonal peaks, or diversify product ranges.
- Pre-season stock orders
- Bulk purchase discounts
- New product lines
- Supplier deposits
Store Refurbishment
£15K-£60KModernize your store to increase footfall and sales. New fixtures, lighting, flooring, and displays.
- Shopfront upgrade
- Interior redesign
- New display units
- Lighting improvements
Expansion & New Locations
£25K-£150KOpen second location, expand current premises, or move to larger space. Capitalize on success.
- Lease deposits
- Fit-out costs
- Initial stock for new store
- Extra staff hiring
E-commerce Setup
£5K-£30KLaunch or upgrade online store. Website development, photography, initial online inventory.
- Website development
- Product photography
- E-commerce platform
- Digital marketing
Seasonal Preparation
£20K-£80KPrepare for Christmas, Black Friday, summer sales. Stock up when suppliers offer best terms.
- Christmas stock
- Black Friday inventory
- Summer collections
- Back-to-school ranges
Cash Flow Management
£10K-£50KBridge slow periods, cover rent and wages during quiet months, or manage payment terms with suppliers.
- Winter cash flow
- Rent & wages cover
- Supplier payment terms
- Business rates
Retail Success Story
The Style Studio, London
Fashion Boutique • Women's Wear • Established 2020
The Challenge
Wanted to stock spring/summer collection but traditional bank loan would take 6-8 weeks - too late for seasonal buying opportunity. Risked losing customers to competitors with fresh stock.
The Solution
Fast-tracked £18,000 funding approved in 24 hours. Purchased inventory from 3 new suppliers and added emerging designer brands. Stock arrived in time for spring launch.
The Results
- Stocked 45% more inventory
- Sold out 2 collections in 4 weeks
- £28,000 additional revenue in Q2
- Repaid in 7 months
- Built relationships with new suppliers
- Best quarter in business history
"Speed was everything. CapExpand understood the fashion industry and got us funded before our competitors could react. We wouldn't have had our best quarter ever without them."
Why Retailers Choose CapExpand
We understand retail cash flow and seasonal challenges
Seasonal Flexibility
Repayments automatically adjust with your sales. Quiet January? Pay less. Busy December? Pay more. Perfect for seasonal retail patterns.
Fast Stock Financing
Don't miss buying opportunities. Get funded in 48 hours to secure stock at best prices, take advantage of trade show deals, or lock in bulk discounts.
No Long Applications
Apply in 3 minutes, not 3 hours. We just need your card sales history and bank statements. No detailed business plans or projections required.
Retail Expertise
Our team understands retail margins, seasonal cycles, and supplier payment terms. We speak your language and understand your challenges.
No Stock as Collateral
Don't put up your inventory as security. Funding is based on card sales performance. Your stock stays yours.
Growth Partner
First advance of £18K? Great. Come back in 6 months for £35K. We grow with your business and offer increasing amounts as you succeed.
Stock Your Shelves, Grow Your Retail Business
Join 150+ UK retailers who've used CapExpand funding for stock, refits, and expansion.
Decision in 24 hours • Funds in 2-3 days • Options with & without personal guarantee