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Retail

Financing built for how Retail businesses grow

Grow your retail business with financing from Merchant Growth!
Funding up to
$1M
Application time
5 min
Funding as fast as
6 hrs
Businesses Supported
15,000+
Featured in
Operational growth

Financing for small businesses in the Retail industry

Retail businesses in fashion, accessories, housewares and more are ideal candidates for retail business financing because they have regular cash flow. With our small business financing for retail, take advantage of our convenient and fast application, that unlike regular, rigid business loans that take longer to be approved for, and instead get quick and convenient access to funds, without having to go in-person to apply and pay off your financing on a daily or weekly basis.

We know your sales can be seasonal and sometimes retail shops need boost in extra cash to take advantage of inventory deals, seasonal staffing, or even debt management. That’s why we’re here, with businesses able to chose between our Term Financing solution and Line of Credit

Common needs

How Can a Retail Business Use the Funding?

Once you get approved you can use the financing to grow your business the best way you see fit. We know that small businesses need all the help they can get, so it’s our job to make the process of applying for financing as easy and clear as possible. Small business owners are busy and should not have the added stress of applying for the capital they need to see their business grow. We have seen our retailers use the capital for many different types of reasons such as the below:

  • Increasing Inventory
  • Hiring
  • Getting bulk discounts
  • Cashflow
  • Expansions
  • New product launches
How it works

Funding made simple

Apply in minutes online or over the phone
A short application — about five minutes. No long forms or branch visits.
We'll help you find the right financing solution
A real person works with you to match the structure to your business goals.
Access funding in as little as 6 hours
Once approved, funds are deposited so you can move on what's next.
Trusted by operators

Trusted by Canadian businesses moving fast

2.1×
Inventory ahead of Black Friday
"Merchant Growth has provided us with an opportunity to expand our business more rapidly than we otherwise might have been able to and allowed us to keep our personal funds freed up for other purposes."


Jim Southam
President & CEO – Prairie Cannabis Ltd.
+47%
Q4 revenue vs. previous year
"We approached Merchant Growth and very quickly we were able to establish our financial health and they agreed to provide us the necessary capital to grow our business. They were able to see the opportunity that we were seeing that traditional banks would not fund"
Samim Aminzadah
Owner - Blowers Grafton
6 hrs
From approval to deposit
"On behalf of all of us at Urban Concierge Services I want to extend my thanks for the loans you have provided us. Having access to these funds provided us a financial platform to grow our clientele, refine our operations, and adapt to our rapidly changing industry."
Christopher Gunn
Founder of Urban Concierge Services
Eligibility Check

See your business funding options

Answer a few quick questions to check your eligibility. No impact on your credit score.
Eligibility Calculator

Soft check only — no impact on your credit score.

Secure application
No obligation
Fast review process
Trusted by Canadian businesses
Merchant Growth Ltd. is a registered Canadian financial services provider. Eligibility is not a guarantee of funding; final offers depend on business performance.
Merchant Growth Ecosystem

A complete system for the way you actually grow.

From funding to tools to insights — everything works together to support your next step.
“Merchant Growth wasn't just a lender, they were a partner. We secured $150k in less than 48 hours, allowing us to triple our inventory before the holiday season.”
Emma Marchetti
Founder · DTC apparel
Ready to unlock
your growth?
Apply in 2 minutes

Ready to unlock
your growth?

Join thousands of merchants who chose smarter funding. Apply in minutes.
Get financing

FAQ

How do I apply?

Applying is quick and easy. The application takes less than 5 minutes to complete. Click the “Get Financing” button on our homepage to get started. We’ll ask for some basic information about you and your business, and securely connect to your business bank account to review your revenue.

Is there a fee to apply?

No. Applying is completely free, with no obligation. You’ll see all available options before making any commitments.

Do you do a credit check?

Yes. We conduct a soft credit inquiry on the business owner, which does not affect your credit score. We only perform a hard credit check if you decide to move forward with funding.

How do I know if I’m eligible for business financing?

To qualify, your business must:

  • Be located in Canada
  • Have been operating for more than 6 months
  • Generate at least $10,000 in monthly revenue
How long does it take to process my application?

On average, applications are processed within 6–24 hours.

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