Expand your limits

BUILD YOUR BUSINESS LOAN

$10,000 – $500,000 check eligibility

RETAIL BUSINESSES USE BUSINESS LOANS FOR THE FOLLOWING REASONS

  • Purchase Inventory

  • Payroll Increase staff

  • Build out retail space

  • Open a new location

  • Cash flow stress

  • Paying taxes

EFUNDEX HAS 4 DIFFERENT RETAIL BUSINESS LOANS AVAILABLE

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SIMPLE INTERES TERM LOANS

Learn about this loan

  • Term Length:3-36 Months
  • Simple Rates:5% – 35%
  • Payment Frequency:Business day-Weekly
  • Decision time:1-5 hours
  • Years in business:1 Year
  • FICO:550
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LONG TERM LOANS

Learn about this loan

  • Terms length:1-5 Years
  • Rates:5-21%
  • Payment Frequency:Bi-weekly- Monthly
  • Decision Time:1-2 days
  • Years in business:2 years
  • FICO:680
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LINE OF CREDIT

Learn about this loan

  • Terms Length:6-12 Months
  • Rates:5-20%
  • Payment frequency:weekly
  • Decision Time:1-5 Hours
  • Years in business:2 years
  • FICO:680
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MERCHANT CASH ADVANCE

Learn about this loan

  • Terms length:No set time
  • Rates:1-3% Cents on a dollar per month
  • Payment frequency:Business day -Weekly
  • Decision Time:1-5 Hours
  • Years in business: 3 months
  • FICO:500 +

HOW IT WORKS

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    1. Apply Online

    Apply Online in just a few Minutes or

    Call us directly 212-213- 5680.

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    2. View Results

    Our system evaluates your business and provides a Pre-approval amounts, terms and repayment options.

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    3. Getting Funded

    Upload your documentation.

RETAIL BUSINESS WE WORK WITH

AND MANY MORE
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Building materials hardware

  • Hardware stores

  • Retail Nurseries, lawn and garden supply stores

  • Hardware stores

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Clothing stores

  • Men’s & Boys clothing stores

  • Woman’s clothing stores

  • Family clothing stores

  • Shoes stores

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Food stores

  • Meat and fish markets

  • Fruit and vegetable markets

  • Dairy products stores

  • Retail bakeries

  • Grocery stores

  • Convenience stores

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Furniture / household appliance stores

  • Furniture stores

  • Household appliance stores

  • Home furnishings stores

WHY CHOOSE EFUNDEX FOR YOUR RETAIL BUSINESS LOAN

At efundex we understand the retail trades industry and how businesses engage in selling merchandise for personal or household consumption.
With most retail business, capital on hand can fluctuate on a daily basis due to inventory purchases, payroll, or seasonality. At efundex, we specialize in helping the retail businesses expand and grow their revenue. Most retailers continuously purchase inventory. In doing so, this requires immediate cash on hand to place large orders with wholesalers or manufacturers. By having cash on hand a retailer can also take advantage of bulk pricing.

Custom financing solutions to grow your Retail Company

At efundex we have different loan options for your retail business, our business loans range from short term to long term business loans
Our funding programs can be tailored to your cash flow needs and your day to day operations. Many retailers are looking for short term working capital for an immediate return on investment or they may have an unexpected expense. This scenario is different for other retailers who are looking for long term growth loans.
Our process is very straightforward, we will be analyzing your cash flow not the businesses collateral or profitability as banks or credit unions are required to do. Our process is streamlined and requires the completion of a 1 page application and your last 4 months of business bank statements for you to have a decision within hours not days or weeks.
Once approved efundex will provide you with options from short term to long term depending on you working capital needs.

SUCCESS STORIES

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See what loans you qualify for

RETAIL BUSINESS LOAN OPTIONS

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Option 1. Retailers simple interest loans

Our simple interest retail term loans are good for retail businesses that are looking for flexible funding options from short to long term. These loans are for companies that require immediate working capital for cash flow, but also gives them protection from the vagaries of the marketplace and flexibility for long term growth opportunities. In this scenario the return on investment from the capital provided may take more time to be realized.

Sime interest Retail business loans are great for owners that are looking to

  • Purchasing Inventory
  • Purchase equipment
  • Upgrading facility
  • Repairs and maintenance
  • Hiring new employees
  • Marketing
  • Terms

    3-36 months

  • Loan amount

    $10,000-$500,000

  • Rates

    6-38% simple rates

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Option 2. Retailers long term loans

These retail business loans are designed for larger purchases such as buying inventory in bulk, or opening a new location. With long term loans repayment is spread out over a longer term which gives you the ability to spread out your payments, without affecting your cash flow. Term loans are designed for long term growth, and revenue increase not seen right away on the profit & loss statement. This type of project may take several months before a return on investment is realized.

Retail business long term loan is used for:
  • Purchasing Inventory
  • Purchase equipment
  • Upgrading facility
  • Opening a new location
  • Terms

    1 – 5 years

  • Loan amount

    $10,000 – $500,000

  • Rates

    5 – 21%
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Option 3. Retail business line of credit

Lines of credit for retail business are typically used for cash flow, and unexpected expenses and serve as almost a safety net against unplanned events.  The revolving line of credit from efundex gives you the flexibility to not miss an opportunity and have immediate funds available for an unexpected expense.  A retail business operator owner knows that planning for the unexpected is a smart business decision.

Retail business line of credit are used for:

  • Unexcited expected
  • Upgrade equipment
  • Payroll
  • Small purchase
  • Terms

    3-12 months

  • Loan amount

    $10,000-$150,000

  • Rates

    6 – 25%
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Option 4. Retailers merchant cash advance

Retailers merchant cash advances are typically used for a business that is more subject to seasonality and the business owner would like the payments adjusted to their cash flow increasing or decreasing. Since retail merchant cash advances are not loans, they are an advance against your future business revenue.

Retailers merchant cash advance use of funds:

  • Small purchases
  • Unexpected expenses
  • Plan for seasonality
  • Terms

    No set time

  • Loan amount

    $100,000 – $100,000

  • Rates

    1 – 3% on a dollar per month

1º Apply Online step1 efundex loan 1 STEP APPLY ONLINE Apply Online in just a few Minutes or Call us directly 212-213- 5680 2º Get Approved 2 STEP VIEW RESULTS Our system evaluates your business and provides a Pre-approval amounts, terms and repayment options. 3º Get Fund 3 STEP GETTING FUNDED Upload your documentation - Business bank statements
- Tax Return
- Voided Check