Fast working capital for retail stores, boutiques, and specialty shops. Get $15,000 to $150,000 based on your daily sales, not your credit score.
$15K to $150K Funding
Same-Day Approval
No Collateral Required
Funds in 24 Hours
Apply NowNo hard credit pull. Takes less than 5 minutes.
Working Capital Built for Retail
Running a retail store means your cash flow lives and dies by the season. A slow January, a missed holiday restock, or an unexpected lease renewal can wipe out weeks of margin. Traditional banks don't understand how retail actually works, and their approval timelines are too slow to be useful when you need capital now.
Trulo Capital's merchant cash advance is built around your daily card sales. We evaluate your store based on your revenue history, not just your credit score. You can access $15,000 to $150,000 with same-day approval and funding deposited in as little as 24 hours. Repayment adjusts with your sales, so you pay less during slow periods and more when business is strong.
How Retail Store Owners Use MCA Funding
There are no restrictions on how you use your funds from Trulo Capital. Retail store owners typically use working capital for:
Stocking up on inventory before the holiday season
Covering rent and payroll during slow months
Renovating or refreshing your store layout
Launching an online store or e-commerce channel
Opening a second location or expanding floor space
Upgrading POS systems and store technology
Running marketing campaigns and seasonal promotions
Purchasing bulk inventory at discounted supplier prices
How It Works
From application to funding in as little as 24 hours. No branch visits, no loan committees.
Step 1
📋
Apply
Fill out a one-page application in minutes. Have 3 months of business bank statements ready.
Step 2
📞
Get an Offer
A funding advisor reaches out within a few hours to walk you through your options.
Step 3
💸
Get Funded
Once you approve an offer, funds are deposited into your account. Often within 24 hours.
Step 4
📈
Repay as You Earn
A fixed percentage of your daily card sales is applied toward your balance. Less on slow days, more on busy ones.
Approval is not based solely on your credit score. We look at the overall health of your retail business.
600+ Credit Score
FICO score of 600 or above to qualify
12+ Months in Business
At least one year of retail store operation
$20K+ Monthly Revenue
Average monthly revenue of $20,000
Healthy Cash Flow
Verified with your last 3 months of business bank statements
Even if you don't meet every requirement, it's worth applying. We review each application individually.
Types of Retail Stores We Fund
Trulo Capital works with retail businesses of all sizes and formats. If your store processes credit and debit card sales, you are likely a good fit for a merchant cash advance.
👗 Clothing and Apparel
Boutiques, clothing stores, and fashion retailers that need to stock up for new seasons or cover slow periods between collections.
💍 Jewelry and Accessories
Independent jewelers and accessory shops that need working capital for inventory, display upgrades, or holiday season preparation.
🛋️ Home Goods and Furniture
Home decor and furniture retailers looking to expand their showroom, restock inventory, or cover slow seasonal months.
📚 Specialty and Hobby Shops
Bookstores, toy shops, hobby stores, and niche retailers that rely on loyal customers and need capital to stay well-stocked.
💄 Beauty and Personal Care
Cosmetic retailers, skincare shops, and wellness stores that need to stay ahead of trends and maintain strong product inventory.
🏪 General Retail and Gift Shops
Multi-category stores and gift shops with seasonal peaks that need flexible working capital to manage inventory and operations year-round.
💐 Flower Shops
Florists and floral boutiques with seasonal demand spikes that need working capital to stock up for Valentine's Day, Mother's Day, and holidays.
🛒 Grocery and Specialty Food Stores
Independent grocery stores, organic markets, and specialty food retailers that need to restock shelves, upgrade equipment, or cover operational costs.
🐾 Pet Supply Stores
Independent pet shops and pet supply retailers that need working capital to expand product lines, restock inventory, or cover slow seasons.
Retail MCA vs. Bank Loan
Traditional bank loans are not built for the retail business. Here is how a Trulo Capital merchant cash advance compares.
Trulo Capital MCA
Bank Loan
Approval time
✓ Same day
– 2 to 8 weeks
Funding speed
✓ As fast as 24 hours
– Weeks after approval
Credit score required
✓ 600+ accepted
– Usually 680 or higher
Collateral
✓ Not required
– Often required
Repayment
✓ % of sales
– Fixed monthly payment
Application
✓ One page, online
– Extensive paperwork
Revenue-based approval
✓ Yes
– No
Approval time
Trulo MCA
Same day
Bank Loan
2 to 8 weeks
Funding speed
Trulo MCA
As fast as 24 hours
Bank Loan
Weeks after approval
Credit score required
Trulo MCA
600+ accepted
Bank Loan
Usually 680 or higher
Collateral
Trulo MCA
Not required
Bank Loan
Often required
Repayment
Trulo MCA
% of sales
Bank Loan
Fixed monthly payment
Application
Trulo MCA
One page, online
Bank Loan
Extensive paperwork
Revenue-based approval
Trulo MCA
Yes
Bank Loan
No
Retail Funding Questions and Answers
Can I get a merchant cash advance for my retail store if I have bad credit?
Yes. Trulo Capital approves retail store funding based primarily on your daily card sales and bank statement history, not just your FICO score. Many retail store owners with credit scores in the 600s qualify for funding. If your store has been open for at least 12 months and processes consistent card sales, you have a strong chance of approval.
How much can my retail store borrow?
Trulo Capital funds retail stores from $15,000 to $150,000. The exact amount depends on your average monthly card volume and bank statement health. A funding advisor will walk you through how much you are eligible for and what repayment would look like for your specific store.
Can I use the funds to stock up for the holiday season?
Absolutely. Holiday inventory is one of the most common reasons retail store owners come to us. There are no restrictions on how you use your Trulo Capital funding, and stocking up before your busiest season is exactly the kind of investment that pays off. Apply early to make sure funds are in your account before you need them.
How does repayment work for a retail merchant cash advance?
Repayment is collected as a fixed percentage of your daily or weekly credit and debit card sales. This means your payments automatically adjust to your revenue. During a slow January, you pay less. During a strong holiday weekend, you pay more. You never have a fixed monthly payment that ignores how your store is actually performing.
How fast will I receive the funds?
Most retail store owners receive their funds within 24 to 48 hours of approval. In some cases, same-day funding is possible. There are no loan officers, branch visits, or committee reviews slowing things down.
Is a merchant cash advance the same as a retail business loan?
No. A merchant cash advance is not a loan. Instead of borrowing money and repaying it with interest over a fixed term, you receive a lump sum upfront in exchange for a percentage of your future card sales. This makes MCAs much faster to access, more flexible in repayment, and easier to qualify for than traditional business loans.
What documents do I need to apply?
The application is simple. You will need your last 3 months of business bank statements and basic information about your store. For faster processing, you can also securely connect your bank account directly. A funding advisor will reach out within a few hours to complete your application.
What Our Clients Are Saying
Discover how real business owners are growing with fast, clear, and reliable funding experiences.
The process was fast and easy to understand. I run a retail clothing store, and the funding helped me prepare for a seasonal rush without stressing over cash flow. Everything was clear from the start.
Rachel M.
Retail Store Owner
I’ve worked with other financing companies before, but this experience stood out. As a small restaurant owner, I needed quick help during a slow month. The communication was strong and the approval came faster than I expected.
Marcus J.
Restaurant Owner
Running a hair salon means staying stocked and ready for clients. I applied in the morning and received funding the same day. The team made it feel simple and reliable from start to finish.
Elena S.
Salon Owner
As someone who owns a small auto repair shop, I don’t have time for complicated applications. This was refreshingly easy. I was able to fix equipment and manage payroll without delay.
Jared T.
Auto Repair Business Owner
I needed to restock supplies and launch a small marketing campaign for my mobile cleaning service. The support I received was direct, honest, and truly helpful. This made a real impact on how I operate.
Danielle R.
Cleaning Service Owner
The process was fast and easy to understand. I run a retail clothing store, and the funding helped me prepare for a seasonal rush without stressing over cash flow. Everything was clear from the start.
Rachel M.
Retail Store Owner
I’ve worked with other financing companies before, but this experience stood out. As a small restaurant owner, I needed quick help during a slow month. The communication was strong and the approval came faster than I expected.
Marcus J.
Restaurant Owner
Running a hair salon means staying stocked and ready for clients. I applied in the morning and received funding the same day. The team made it feel simple and reliable from start to finish.
Elena S.
Salon Owner
As someone who owns a small auto repair shop, I don’t have time for complicated applications. This was refreshingly easy. I was able to fix equipment and manage payroll without delay.
Jared T.
Auto Repair Business Owner
I needed to restock supplies and launch a small marketing campaign for my mobile cleaning service. The support I received was direct, honest, and truly helpful. This made a real impact on how I operate.
Danielle R.
Cleaning Service Owner
Ready to fund your retail store?
Apply in minutes. Talk to a funding advisor today. Funds deposited as fast as 24 hours.
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