Funds received
Separate the headline amount from proceeds after deductions and fees.
Business financing referrals · Independent retailers
Turn your retail buying plan into a funding request.
Stock, fixtures and checkout equipment have to be paid for on different schedules. Outline what the shop needs to buy and when those purchases are expected to become sales.
Before you decide
When reviewing a provider offer
Payments owed
Place the required repayments in the same budget as existing business expenses.
Changes and exit
Read what the contract says about early payment, missed payments and changed circumstances.
How it works
The application process
Set out the need
Describe the amount and timing required for your planned business spending.
Add the figures
Complete the revenue, business-age and approximate credit-range questions using current information.
Confirm the details
Check the application and disclosures, then use the SMS verification step to complete submission.
Independent retailers · funding preparation
Your operating calendar
A stocked shelf is not yet a customer receipt. Keep slow-moving stock, markdowns and normal operating bills visible when comparing a financing offer with the buying plan.
Possible uses
Business expenses to describe
Seasonal inventory
A seasonal range often arrives before its main selling period. Use past sell-through and supplier deadlines to define the order rather than relying only on the available discount.
Store improvements
Shelving, display units and lighting can be changed during quieter trading periods. Include installation and the cost of keeping merchandise secure while work takes place.
Point-of-sale equipment
Terminals, scanners and stock-control tools may involve setup and monthly service charges. Separate the initial hardware expense from ongoing processing or software costs.
A few things to know
About this referral service
Information sharing and referral payments
We are paid to refer business applications and sell the submitted details to funding partners. A request may reach up to five partners, payment to us is not conditional on funding, and you do not pay this service an application fee.
Approval and available terms
No funding commitment is created by completing this request. Eligibility, amounts and contract terms are matters for the provider assessing the application.
Provider timing
The application lets you state when funding is needed, but availability is decided separately. A partner’s assessment and agreement may take longer than the business deadline.
Contact consent and mobile verification
Take time to read the application’s contact permission and privacy disclosures. SMS verification is an additional step that confirms you can receive a code at the supplied number.
Make a beginning
Start with your business funding request
Enter the business details and the amount you want to explore in the application.