• Home
  • Alternative Business Loans For Retail Shops

Retail Business Owner 

As an owner of a retail business, you’ll know that the threat of competition is everywhere. That’s why lots of owners come up with extravagant plans to get ahead and entice new customers in. However, this can end up being costly which is why people turn to alternative business finance solutions like Capify.


Alternative Business Finance 

Alternative Business Finance is a great way to raise funds. The application process is often really simple, meaning owners don’t have to find the time to fill out lots of complicated paperwork. With alternative finance, you could also have the money in your account within days, meaning you don’t have to wait a long time to start your plans. If you’re looking for a flexible business finance solution where you don’t have to save a large amount of money for a fixed date, this option could be for you. There’s lots of different products on the market from the innovative Merchant Cash Advance to Invoice Finance. However you want to grow your retail business, alternative finance is definitely worth considering if you need additional funds.


Traditional Lending 

When business owners are looking for funds, they typically visit their banks to find out how much they can raise before going anywhere else. This is because owners already have accounts set up with their bank so they assume that acquiring finance from them will be an easy and straightforward process. Unfortunately, this often isn’t the case. Since the financial crisis in 2008, they have really tightened up their lending and will therefore only give funds to businesses who have a very strong trading history. In order to be accepted, a business will need to complete a very long application and then wait whilst underwriters go through and rigorously analyse everything. Most retail owners get frustrated during this process because they need to obtain the funds quickly, and at the end of it all they might still not get them.


What would you use the money for? 

There are many reasons why retail owners want to raise finance, maybe it’s approaching Christmas and therefore more stock needs to be purchase. Or, an owner might want to add more changing rooms to their shop because sometimes queues form when they are particularly busy. Whatever you need the funds for, Capify could help you raise the money that you need.

Raise £3,500 - £500,000 with Capify 

Capify offers two innovative business finance products, The Merchant Cash Advance and the Business Loan. 

The Merchant Cash Advance 

If you accept credit and debit card payments from your customers then the Merchant Cash Advance could be the perfect way to raise business finance. The product is extremely flexible and works in line with your card sales. This means that you never have to struggle to pay back more than you can afford. 

Capify will take a very small pre-agreed percentage of your card payments every working day until the advance is paid back. Therefore, if you have a slow day you repay less and on a busy day you repay slightly more.

…………………………………………………………………………………………….

The Business Loan

The Business Loan is different to others on the market because rather than paying back the money monthly, owners pay back a very small amount every day. Many people love this method because they don’t have to worry about saving for a fixed date. If you own a Limited Company, this could be the perfect business finance solution for you.  

Get A Quote

We’re trusted by thousands of small and
medium sized businesses.

We take pride in working with thousands of UK businesses, and we really appreciate what they say about out
products and services.