Retail & E-Commerce

Need capital to stock up, scale up, or sell more? Smarter Business Funding connects retail and e-commerce business owners with fast, flexible funding. Get pre-qualified today.

Business Funding for Retail & E-Commerce

Fuel Your Store’s Growth—Online or On Main Street

Capital That Keeps Your Shelves (and Carts) Full

Whether you’re selling in-store, online, or both—cash flow is king. From inventory and seasonal orders to marketing and fulfillment, running a product-based business requires real working capital.

At Smarter Business Funding, we help retail and e-commerce business owners access fast, flexible funding to support everyday operations, holiday surges, and growth opportunities—without waiting on traditional lenders.

Need to compare funding types? Start with this Shopify Guide to E-Commerce Financing

Businesses We Support

We work with a wide range of retail and product-based entrepreneurs, including:

  • Brick-and-mortar stores – boutiques, gift shops, specialty stores

  • E-commerce sellers – Shopify, Amazon FBA, Etsy, dropshipping

  • Subscription box businesses

  • Pop-up or seasonal retailers – markets, kiosks, and festivals

  • Consumer goods brands – skincare, supplements, fashion, etc.

  • Hybrid sellers – selling in person and online

Whether you’re launching your first product or managing multiple SKUs, we can help.

Common Funding Needs

Retailers and online sellers often need capital for:

  • Inventory purchases – upfront buying for peak seasons or wholesale deals

  • Website & e-commerce tools – redesigns, platform fees, integrations

  • Advertising & marketing – Google Ads, Facebook, influencer outreach

  • Shipping & fulfillment – especially when scaling fast

  • Store buildouts or renovations – signage, fixtures, POS systems

  • Bulk manufacturing or product expansion

Explore inventory-based funding in this SBA resource on working capital loans

How Smarter Business Funding Helps

Product-based businesses move fast—and so do we. Smarter Business Funding helps you:

  • Understand funding options like merchant advances, inventory loans, and credit stacking

  • Use templates, checklists, and calculators to prep faster

  • Get matched with a funding expert who understands product cycles and e-commerce cash flow

  • Pre-qualify without hurting your credit

We help you keep shelves stocked, ads running, and carts full.

See What You Qualify For—Fast

You’re not applying just yet—just seeing what’s possible.

Tell us a bit about your store or shop, and we’ll help you access funding that fits your product, platform, and plans.

Get Pre-qualified Today!