Retail Stores Equipment Financing

Keeping your shop modern takes more than good merchandising; it takes the right equipment. Our retail store equipment financing programs help you upgrade POS systems, coolers, shelving, displays, and more without draining your cash flow. Whether you need a full retail equipment loan or just extra funds for retail store equipment before a busy season, we make it simple to get retail equipment financing that fits your budget and timeline.

Retail Stores Equipment Financing

Our retail equipment loan options are built for the realities of brick-and-mortar sales. You can finance new or used equipment, bundle multiple items into one payment, or add funds for retail store equipment as your needs grow. Whether you are opening a new location, remodeling, or replacing outdated hardware, we help you match term lengths and payment schedules to your sales cycle.

Unlike traditional bank loans, our approval decisions look at your business performance as a whole, not just perfect credit. That means more retail businesses can access the equipment they need to operate efficiently, improve the customer experience, and stay competitive in today’s retail environment.

Minimum Requirements for Retail Equipment Financing

To qualify for retail store equipment financing, most businesses should meet these basic guidelines:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Retail Equipment Financing Options

Traditional Retail Equipment Loan

A straightforward retail equipment loan lets you borrow a fixed amount to purchase specific equipment for your store. You receive the full amount up front and repay it over a set term with predictable monthly payments, ideal when you need retail store equipment financing for a major project or remodel.

Equipment Financing for Retail Store Upgrades

For stores that regularly add or replace assets, a revolving facility works like a reusable retail equipment loan. Borrow what you need, pay it down, and access it again for future purchases without reapplying each time. This is a flexible way to manage ongoing retail store equipment financing.

Retail Equipment Line of Credit

Seasonal shops often need to gear up quickly ahead of peak months. Our fast track program helps you get retail equipment financing in time for the rush, so you can stock displays, install temporary fixtures, or add extra POS terminals without straining your working capital.

Fast Equipment Financing for Seasonal Retailers

If you own equipment outright, a sale-leaseback converts that equity into working capital while you continue to use the assets. This can be a smart option to unlock cash while still keeping your store fully operational.

Sale-Leaseback Equipment Funding

Retail Equipment Financing Services

We know every retail operation is different, from convenience stores and specialty shops to salons, boutiques, and multi-location chains. Our equipment financing services are tailored to what you actually sell, how you take payments, and how your customers shop. We help you design a plan that covers current needs and leaves room for future growth.

The application is straightforward, with clear documentation requirements and quick decisions. You get transparent terms, competitive rates, and repayment structures aligned with your cash flow. Whether your goal is to refresh your store layout, replace failing equipment, or support a full rebrand, our retail equipment financing services are built to keep your doors open and your shelves moving.

Who We Serve

Frequently Asked Questions

What is the process for getting retail store equipment financing?

Start by completing a short application with basic business information and details about the equipment you plan to purchase. We review your revenue, time in business, and credit profile, then request supporting documents such as bank statements or equipment quotes. Once approved, you receive an offer outlining the amount, term, and payment structure. After you accept, funds are sent to you or directly to your vendor so you can move forward quickly.

What are the repayment terms for a retail equipment loan?

Repayment terms depend on the amount financed, the type of equipment, and your business profile. Many retail store equipment financing plans range from 12 to 60 months, with fixed monthly payments so budgeting is easy. Some programs offer weekly or bi-weekly options aligned with your sales cycle. We work with you to choose a term that keeps payments affordable while avoiding unnecessarily long commitments.

Can I apply for retail equipment financing if my credit score is low?

Yes, in many cases you can. While credit is considered, we also look at factors like monthly revenue, time in business, and the strength of your retail operation. A lower score may affect the amount and rate you qualify for, but it does not automatically disqualify you. If your business shows consistent sales and responsible banking history, we can often structure a solution that still helps you secure needed equipment.

What are the eligibility requirements for retail store equipment financing?

Most programs require that your business be actively operating with at least five months in business and a minimum of $10,000 in monthly revenue. You should own at least 51% of the company and be able to provide proof of identity, business bank statements, and equipment information or quotes. Meeting these basic criteria positions you well to access retail store equipment financing tailored to your needs

Retail Stores Equipment Financing