Business Line of Credit
The default for a repeating buying cycle. Draw what each order needs, repay as the stock sells, and keep the facility for next season.
See Business Line of CreditWhat's your case?
Which funding fits your store right now?
What it means for your cashCash leaves the account months before the season pays it back.
Business Line of Credit
Draw what each order needs, repay as the stock sells, draw again next season.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashThe saving is real, but only if the cash is on hand now.
Merchant Cash Advance
The fastest product to fund; you repay from sales rather than a fixed monthly bill.
- Range
- $5,000 – $5,000,000
- Term
- 3 – 18 months
What it means for your cashThe money exists, it just has not landed yet.
Merchant Cash Advance
Repayment moves with your daily or weekly sales, so quiet weeks cost less.
- Range
- $5,000 – $5,000,000
- Term
- 3 – 18 months
What it means for your cashA one-time purchase a single month's margin cannot cover.
Collateral & Asset Loans
What you buy secures the loan, and the term matches how long it keeps earning.
- Range
- $10,000 – $1,000,000
- Term
- 12 – 60 months
What it means for your cashPayroll is a fixed cost against sales that have not started.
Business Line of Credit
Draw for the hire-up, repay it from the peak-season sales.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashThe spend lands now; the sales build over the following year.
Business Term Loan
One fixed monthly payment, sized to what the new store should do.
- Range
- $10,000 – $5,000,000
- Term
- 6 – 60 months
What it means for your cashYou made the sale, but you are financing your customer's float.
Invoice Factoring Tool
Turns outstanding business-to-business invoices into cash now.
- Range
- $10,000 – $3,000,000
- Term
- ongoing facility
What it means for your cashStacked payments are how a good month turns into a bad one.
Consolidation of Positions
Pays off the positions you have and rolls them into one payment sized to your sales.
- Range
- $10,000 – $2,000,000
- Term
- 6 – 36 months
Products
Three ways to fund a retail business
Merchant Cash Advance
For card-heavy stores that need money quickly and cannot wait on a bank. Repayment follows sales, but it costs more than a line of credit, so use it for short, high-turn purchases rather than planned buying.
See Merchant Cash AdvanceCollateral & Asset Loans
For the assets behind the shop — refrigeration, fixtures, POS hardware or a delivery van. A fixed term spreads the cost over the years the equipment keeps working.
See Collateral & Asset LoansFrom the blog
FAQ
Retail funding questions
Stock, seasonal payroll, a supplier's early-pay discount, store fit-outs and equipment such as refrigeration, shelving, POS or a delivery vehicle. Falcon does not restrict the use of proceeds to one category.
$5,000 to $5,000,000 depending on the product. A line of credit runs $10,000 – $500,000, an advance $5,000 – $5,000,000, and a collateral loan $10,000 – $1,000,000. The final number depends on your sales, your time in business and your bank activity.
If you buy on a repeating cycle, a line of credit is usually cheaper and reusable. An advance is faster to qualify for but costs more, so it fits a one-off, short-turn purchase rather than a planned seasonal buy.
Yes. Card-heavy stores are a common fit for a merchant cash advance, where repayment is a share of sales rather than a fixed monthly payment.
Many products fund within 24-48 hours of approval. Timing depends on how quickly you send documents, so start before the supplier's deadline rather than on it.
Falcon charges a 0% agreement fee. For a sales-linked product, the total amount you are selling and the percentage of sales that goes toward it are both spelled out on the agreement before you sign. No specific rate is published here, because it depends on your file.
Six months of business bank statements, a photo ID, a voided check, a list of any current advances or loans, and a quote or invoice for equipment.