🚀 Over $1B Funded | 5-Star Rated by Business Owners | Proudly Ranked on the 2025 Inc. 5000 List

Retail Business Financing

Fast, simple, secure capital built for the realities of modern retail.
Funding amounts from $10,000 to $500,000 with approval in as little as 24 hours.
Get the working capital your construction business needs with financing programs designed specifically for construction. From equipment purchases to expansion projects, we understand the unique challenges facing construction businesses.
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Funding up to $500,000 within 24 hours with prepaid discount for construction needs.

Retail owners use ByzFunder to stay stocked, staffed, and competitive — especially when inventory cycles, vendor terms, or seasonal swings tighten cash flow. Approvals typically the same day; funding often available within hours for qualified applicants.
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Why retail owners love Byzfunder?

Retail capital needs don’t follow traditional lending logic. Inventory must be acquired ahead of revenue, turnover rates vary by category, and vendor terms tighten as markets shift. Add unpredictable foot traffic and rising acquisition costs, and cash flow becomes a moving target. ByzFunder offers flexible funding that aligns with retail economics — giving owners the liquidity to capture demand, manage volatility, and operate with continuity while banks sort through paperwork.
What do retail businesses use funding for?
  • Inventory procurement
  • Cover payroll gaps
  • Upgrade equipment & technology
  • Bridge raising vending cost
  • Store expansion
  • Marketing Campaigns
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How it works

Get funding in three simple steps. Our streamlined process makes it easy to
access the capital your business needs.
01

Apply in minutes

Connect your bank — simple, secure application process.
02

Get approved in hours

No hard credit pull. Quick decision based on real cash flow.
03

Get funded

Receive capital fast. Repay as you earn — payments move with sales.
$
years
No-Ding Credit Low Prepay Discount Same Day Funding Flexible Terms 24/7 Support Easy Application
No-Ding Credit Low Prepay Discount Same Day Funding Flexible Terms 24/7 Support Easy Application
No-Ding Credit Low Prepay Discount Same Day Funding Flexible Terms 24/7 Support Easy Application
No-Ding Credit Low Prepay Discount Same Day Funding Flexible Terms 24/7 Support Easy Application
Flexible funding for day-to-day operations and growth

Working Capital for Retail Stores

Retail margins aren’t guessed — they’re managed. Successful shops balance inventory turnover, staffing, and operating costs daily. ByzFunder understands these metrics and reviews applications with a realistic view of how retail businesses generate cash, absorb seasonality, and convert inventory into revenue.
We take care of the financial strain, so you can drive smarter, faster decisions without unnecessary delays.

1. MCA

Merchant Cash Advance that funds up to $500k with flexible repayment terms that fit your business’s pace.
Fund limit: $5k - $500k
Terms: 3-15 months
Apply nowLearn more

2. Term loan

Straightforward working capital with predictable, fixed weekly payments — ideal for owners who want clarity and consistency.
Fund limit: $5k - $500k
Terms: 3-24 months
Apply nowLearn more

3. byzflex

Like a business line of credit, but structured as a revenue-based financing. Funding resets itself as you repay.
Fund limit: $7.5k - $150k
Terms: 6-12 months
Apply nowLearn more
Funding aligned with the business side of retail.

Why Retail Stores Choose Byzfunder

Deep Understanding of Retail Economics

Retail is driven by inventory turns, average transaction value, and customer flow. We understand the financial structure behind your operations — from supplier terms to margin management — which helps us assess funding needs accurately and efficiently.

Quick funding time clock icon
Speed With Inventory Timing Decides Profit

Opportunities in retail evaporate quickly: hot products sell out, vendor discounts are short-lived, and seasonal demand won’t wait for bank approvals. ByzFunder’s process typically provides same-day decisions for qualified applicants.

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Flexible Structures Aligned with Retail Variability

Retail revenue fluctuates with seasons, marketing cycles, and local foot traffic. Our revenue-based programs and term options flex with these realities. Clear, upfront terms. Costs vary by program and applicant profile.

Human-First Support + Secure Digital Portal

You get a human who understands construction while your secure online portal  keeps your information accurate, accessible, and always current — so you can focus on running the job site, not managing paperwork.

Group Line

Ready To Secure Business Funding?

Check your eligibility in minutes. No credit impact, no obligation.
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Have Questions? We got answers.

We know your business is unique, here’re some frequently asked questions that might bring some clarify.

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What credit score do I need for construction financing?

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How quickly can I get funded for my construction business?

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Can I use the funds to pay subcontractors?

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Do you work with commercial development businesses?

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What makes your construction financing different?

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With Byzfunder, financing is based on revenue and daily sales—not just credit score—with approvals often same day for qualified applicants. Funds are typically available within hours to ~48 hours and can be used for inventory, payroll, marketing, or seasonal pushes. We offer flexible terms so you can choose what's best for your business.

Yes. In most cases, you can use funds to pay temporary employees, contract clinicians or specialists, medical assistants or any other short-term staffing during peak demand.

Funding timing depends on the program you choose and how complete your application is — but typically merchant can receive decision on same day as application. If approved, funding takes place within 24-48 business hours.

With Byzfunder, we support real businesses, not just the ones with perfect bank statement. Credit score is not the main approval factor. We also consider other aspect of your business such as revenue and cashflow. Submit an application today and find out how much you qualify within 24 hours.

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Our [INDUSTRY] financing specialists are standing by to help you secure the funding you need. With competitive rates, flexible terms, and industry expertise, Biz Funder is the smart choice for [INDUSTRY] professionals.