Attention: Retail Store Owners Who Need Cashflow

Stop Leaving Your Future Revenue On The Table. Access Up To $500K Within 24 Hours.

  • ✓
    $5K to $500K deposited into your account by tomorrow
  • ✓
    Built for clothing, gift, and specialty retail stores
  • ✓
    600+ credit score is all you need to get started
SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

★★★★★
❝

Easiest funding process I have ever been through.

M
Marcus T.
Jan, 2025
★★★★★
❝

Got approved the same day. Could not believe it.

S
Sandra K.
Nov, 2024
★★★★★
❝

Team was transparent and responsive throughout.

J
James R.
May, 2024
★★★★★
❝

Funds were in my account the next morning.

L
Lisa W.
Dec, 2024

Need Working Capital Now?
Get Up To $500K In Your Account Within 24 Hours.

Revenue comes in steadily, but it rarely lands when you actually need it. Trulo Capital puts that future income in your hands today and recovers it gradually through your ongoing sales. No spotless credit history. No lengthy paperwork. No waiting around for a bank committee. Just practical, flexible capital for retail businesses that need to keep moving.

Three Minutes To Apply. Funded The Next Day.

While banks bury retail owners in requirements, Trulo Capital keeps it straightforward. Complete a short application focused specifically on your store, get a same-day response from our team, and have funds in your account within 24 hours of approval.

Payments That Follow Your Revenue, Not A Calendar

Retail revenue fluctuates and your repayments should reflect that. Trulo Capital structures your payback around actual daily sales volume. When business is strong, more gets cleared. When traffic slows down, so do your payments. No fixed due dates working against you.

We Lend Directly. No Middlemen, No Inflated Costs.

As a direct lender, Trulo Capital eliminates the broker layer that typically adds up to 20% to your cost of capital. You deal with our team from start to finish, keeping more money where it belongs. Your personal credit file stays untouched throughout the process.

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Why Retail Business Owners Trust Trulo Capital

1
Retail store owner

Fast Decisions When Your Business Needs Them

Traditional banks move too slowly for retail. At Trulo Capital, most decisions come back the same day you apply. Whether you are preparing for peak season or bridging a slow stretch, we move at the speed your business actually needs.

2
Retail store owner

We Understand the Retail Business Model

Retail has its own rhythm and we understand it. Seasonal peaks, bulk inventory orders, and the timing gap between purchasing stock and selling it through are all part of how we evaluate your business.

3

Repayments Designed Around Your Sales

Pick a fixed schedule if you prefer consistency, or a variable structure that rises and falls with your daily revenue. Both options are designed to keep your cash flow stable while you repay.

4

Clear Terms Before You Sign Anything

We give you the full picture upfront. Your total payback amount, your repayment structure, all of it before you commit. Strong month? You can settle early with no additional charges.

5

Right-Sized Capital For Whatever Comes Next

From a single inventory purchase to a full location expansion, Trulo Capital scales to fit the opportunity in front of you. Get what your business actually needs, not a one-size-fits-all amount.

6

A Short Application. A Fast Decision.

Our application covers the essentials about your store and nothing more. No stacks of financial statements, no drawn-out review process. Most applicants hear back within hours.

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Do I Qualify For Funding?

At Trulo Capital, we keep the requirements simple. If your retail business checks these four boxes, we can get you funded.

$15K+

Monthly revenue processed through your business

1+ Year

Your business has been operating for at least 12 months

600+

Minimum credit score required to get started

US Bank

An active US business checking account in your business name

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

How It Works

1

Submit Your Application

Fill out our short form built specifically for retail businesses. Takes about 3 minutes and we only ask for what we actually need.

→
2

Get Your Decision In Hours

Our specialist team reviews your file and delivers a clear funding decision the same day. You get full transparency on terms before you commit to anything.

→
3

Get Funded and Keep Growing

Funds land in your business account within 24 hours of approval. Use it to restock inventory, cover payroll, or expand your store.

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Get Up To $500K For Your Retail Store By Tomorrow

No perfect credit score required. No mountains of financial paperwork. Just a short application and a same-day decision.

Decision in hours, funds in 24

While banks take weeks, we move at the speed your retail business actually needs.

Payments that follow your sales

Slow week? Your payments drop. Busy season? More gets cleared. No rigid due dates.

We fund based on store performance

Not your personal credit history. Bad credit does not mean no funding.

$15K to $500K available

Whether it is a one-time inventory order or a full store expansion, we scale to fit.

No broker fees, ever

As a direct lender, we cut out the middlemen so more of your funding stays in your store.

Built for retail store owners

We understand seasonal cycles, inventory timing, and how retail cash flow actually works.

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

★★★★★

What Retail Store Owners Are Saying About Trulo Capital

★★★★★
"
We needed to stock up before the holiday season and our bank would not move fast enough. Trulo Capital had the funds in our account the next morning.
RP
Rachel P. Boutique Owner, Phoenix, AZ
★★★★★
"
My bank turned me down because of my credit score. Trulo looked at my actual revenue and approved me the same day. The whole process took less time than filling out a bank application.
DK
David K. Sporting Goods Store, Portland, OR
★★★★★
"
The flexible repayments made all the difference. January is always slow for us, so having payments adjust down kept things manageable. I will definitely use Trulo again.
NW
Nicole W. Home Goods Retailer, Nashville, TN
★★★★★
"
No hidden fees, no surprises. We used the funding to open a second location and it paid off quickly. The team was transparent from day one.
CM
Carlos M. Apparel Store Owner, Miami, FL
★★★★★
"
Three minutes to apply, funded by the next afternoon. I have worked with lenders before and none of them came close to this kind of turnaround.
ST
Sarah T. Gift Shop Owner, Denver, CO
★★★★★
"
We had a supplier offering a bulk discount and needed capital fast. Trulo came through in time and we saved more on inventory than the total cost of the advance.
JL
James L. Electronics Retailer, Chicago, IL
★★★★★
"
We needed to stock up before the holiday season and our bank would not move fast enough. Trulo Capital had the funds in our account the next morning.
RP
Rachel P. Boutique Owner, Phoenix, AZ
★★★★★
"
My bank turned me down because of my credit score. Trulo looked at my actual revenue and approved me the same day. The whole process took less time than filling out a bank application.
DK
David K. Sporting Goods Store, Portland, OR
★★★★★
"
The flexible repayments made all the difference. January is always slow for us, so having payments adjust down kept things manageable. I will definitely use Trulo again.
NW
Nicole W. Home Goods Retailer, Nashville, TN
★★★★★
"
No hidden fees, no surprises. We used the funding to open a second location and it paid off quickly. The team was transparent from day one.
CM
Carlos M. Apparel Store Owner, Miami, FL
★★★★★
"
Three minutes to apply, funded by the next afternoon. I have worked with lenders before and none of them came close to this kind of turnaround.
ST
Sarah T. Gift Shop Owner, Denver, CO
★★★★★
"
We had a supplier offering a bulk discount and needed capital fast. Trulo came through in time and we saved more on inventory than the total cost of the advance.
JL
James L. Electronics Retailer, Chicago, IL

How Trulo Capital Compares To A Traditional Bank Loan

Trulo Capital
Traditional Bank Loans
Approval Speed
✅Same-Day Approval

Decision within hours, funds in your account by tomorrow

❌30 to 60 Day Process

Weeks of waiting while your business needs capital now

Credit Score
✅600+ Credit Score

We fund based on your store revenue, not just your FICO

❌720+ Credit Score Required

Most retail owners get rejected before the process even starts

Repayment
✅Payments That Follow Your Sales

Slow week? Pay less. Strong season? More gets cleared

❌Fixed Monthly Payments

Same amount due regardless of how your store is performing

Collateral
✅No Personal Collateral

Your home and personal assets stay completely protected

❌Personal Guarantee Required

Your house or assets are often put at risk to secure a loan

Pricing
✅Simple, Transparent Pricing

One clear factor rate, know your total cost before you sign

❌APR, Compound Interest, Hidden Fees

Hard to calculate true cost until you are already locked in

Broker Fees
✅No Broker Fees, Direct Lender

More of your funding stays where it belongs, in your store

❌Up to 20% Added by Brokers

Middlemen inflate your cost before you even see the offer

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Who Is Trulo Capital For?

Ready to Grow

The Growth-Ambitious Store Owner

You are ready to expand to a second location, upgrade your storefront, or bring on more staff. You need substantial capital that moves at the speed of your ambition, not the speed of a bank committee.

Retail store owner
Need It Now

The Emergency-Driven Store Owner

A supplier deal just came up, a key piece of equipment broke down, or an unexpected expense hit. You need funding immediately, not in six weeks. Fast capital keeps your store running without missing a beat.

Retail store owner
Planning Ahead

The Seasonal Store Owner

You know the holiday rush is coming and you need inventory stocked now. Or you are trying to stay afloat during a slow season without draining your reserves. Flexible capital timed to your retail cycle makes all the difference.

Retail store owner
SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Frequently Asked Questions

How much funding can my retail store qualify for?

+

Trulo Capital provides funding from $15,000 to $500,000, based on your store's monthly revenue and cash flow history. We size the advance to what your business can comfortably repay, so you get capital that actually works for you.

What does funding from Trulo Capital cost?

+

We use a simple factor rate instead of APR or compound interest. You know the exact total repayment amount upfront before you sign anything. There are no hidden fees, no broker markups, and no surprises.

Do I need collateral or a personal guarantee?

+

No. Trulo Capital does not require you to put up personal assets or sign a personal guarantee. Your home, car, and savings stay completely protected. We fund based on your store's revenue performance.

What can I use the funding for?

+

There are no restrictions. Retail store owners use our funding to restock inventory, cover payroll during slow seasons, renovate or expand their storefront, purchase equipment, take advantage of supplier deals, or simply keep cash flow stable.

How quickly can I receive the funds?

+

Most applicants receive a decision within hours of submitting their application. Once approved, funds are deposited directly into your business checking account within 24 hours.

How does repayment work?

+

Repayments are tied to your daily or weekly sales volume. When your store is busy, more gets repaid. When business is slow, your repayment drops automatically. There are no fixed due dates and no rigid monthly bills to stress over.

Are there any penalties for paying back early?

+

No. You are free to repay early with no additional charges or penalties. Many of our retail clients choose to pay back early when they have a strong sales period.

Will applying affect my credit score?

+

No. Our initial application only requires a soft credit check, which has no impact on your personal or business credit score. You can apply and get a decision without any risk to your credit.

How long does the application take?

+

The application takes about 3 minutes to complete. We ask only for the essentials about your store and recent bank statements. No lengthy paperwork, no in-person meetings required.

Ready To Get Funded? See If You Qualify Now

Access $15K to $500K in as little as 24 hours
Apply in 3 minutes to see if you qualify
No impact on your credit score
Built specifically for retail store owners
SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Copyright © 2021 Trulo Capital