Can retail stores get business term loans?

Yes. Many providers work with retail stores. Approval depends on time in business, monthly revenue, credit and existing obligations. Typical ranges: $25k – $2M, 1 – 10 years.

How fast can retail stores get funded?

Business Term Loans typically funds in 1 day – 4 weeks once documents are submitted.

What do retail stores need to qualify?

2+ years in business (some 1 year); $100k+ annual revenue; 650–680+ personal credit.

What credit score do I need for a business loan?

Many online lenders start around 625–650, while the best rates typically require 680–720+. Banks often want 700+.

How long does it take to get a business loan?

Online lenders can fund in 1–5 business days. Banks and credit unions commonly take 2–6 weeks.

Retail Stores

Business Term Loans for Retail Stores

Business Term Loans for retail stores provides a lump sum repaid in fixed installments, with typical amounts of $25k – $2M and funding in 1 day – 4 weeks. Retailers use lines of credit and MCAs to stock up ahead of peak seasons.

Last updated October 23, 2026

Why retail stores use business term loans

Retailers use lines of credit and MCAs to stock up ahead of peak seasons.

Seasonal inventory
Store remodel
POS and fixtures
Marketing

How it works

A term loan is the classic form of business borrowing: a fixed principal amount, an interest rate, and a repayment schedule. Payments are usually monthly, though some online lenders collect weekly.

Lenders evaluate personal and business credit, time in business, annual revenue, cash flow and debt service coverage. Larger loans may require a personal guarantee and a UCC lien on business assets.

Requirements

2+ years in business (some 1 year)
$100k+ annual revenue
650–680+ personal credit
Tax returns and financial statements for larger amounts
Positive cash flow

Typical ranges

Amount: $25k – $2M
Term: 1 – 10 years
Cost: 8% – 45% APR
Speed: 1 day – 4 weeks
Credit: 650 – 680+

Source: industry estimates compiled by BusinessFundingQuote.com; actual terms are set by each provider.

Other options for retail stores

Comparison of business funding options (industry estimates)
Option	Amount	Term	Typical cost	Speed	Credit
Business Term Loans	$25k – $2M	1 – 10 years	8% – 45% APR	1 day – 4 weeks	650 – 680+
Merchant Cash Advance	$5k – $500k+	3 – 18 months	1.10 – 1.50 factor	24 – 72 hours	500+ often accepted
Business Line of Credit	$10k – $500k	Revolving; draws 6–24 mo	10% – 60% APR	1 – 7 days	600 – 680+
Working Capital Loans	$5k – $1M	3 – 24 months	Varies by product	1 – 5 days	550 – 680+

Frequently asked questions

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More for retail stores

Written by

BusinessFundingQuote Editorial Team

Small business finance writers

Reviewed by

Funding Review Desk

Reviewed for accuracy against current market practices

Rates and ranges on this page are typical market estimates for educational purposes, not offers. How we make money.