Case studies
2
min read
September 2, 2025
case-studies

From clicks to bricks: Retail & e-commerce funding in action

Valiant has helped Aussie businesses access the capital they need to make big moves with confidence.

Concentrated woman with hangers and clothes
Written by
Carolina Mateus
SEO Content Specialist
Key takeaways

Scaling a retail or e-commerce business isn’t just about having a great product or website. It’s about having the right funding to turn opportunities into growth. 

Whether it’s boosting inventory, upgrading technology, opening a new location, or expanding internationally, Valiant has helped Aussie businesses access the capital they need to make big moves with confidence—and you could be next.

{{first-banner}}

$45K working capital loan for an online pet supplies store

A digital-first pet supply business with 2 years in the game was experiencing rapid growth. To keep momentum going, they wanted to scale inventory and ramp up marketing, but required extra capital to do so. 

With proven online sales history, minimal existing debt, and strong profit margins, they were on the right track to land the funding.

How we helped

With positive cash flow projections backing their application, Valiant helped the business secure a $45K working capital loan, which allowed for bulk inventory purchases and a marketing campaign. 

The result? More sales, a stronger market presence, and a sharper competitive edge. 

$875K commercial property loan for an online fulfillment business

Leasing warehouse space for $6,500 a month was holding back an e-commerce fulfillment business. Over 5 years, they had built a strong client base, solid financials, and an experienced management team.

Now, they wanted a permanent facility to cut out rental costs and invest in fit-out and racking systems to scale operations.

How we helped

Valiant set up an $875K commercial property loan with a 30% deposit and a repayment schedule around the rental savings. 

The loan also included funding for fit-out and racking, giving the business a ready-to-go facility that boosted efficiency from the get-go and supported long-term growth.

$95K working capital loan for a liquor store chain

After 5+ years of serving customers, a single-owner liquor store was ready to branch out to a second location. 

With consistent monthly turnover, minimal debt, and a proven business model, the business needed extra capital to buy more inventory and upgrade POS systems.

How we helped

Leveraging the existing store’s strong performance and steady daily cash receipts, Valiant arranged a $95K working capital loan to back the expansion.

This funding covered inventory purchases and tech upgrades, boosting operational efficiency and sales while enabling a smooth expansion to the new store.

$3M invoice finance facility for a fashion wholesaler

A Victorian-based clothing importer and wholesaler with 15+ years in business was preparing to go international. 

Despite strong supplier relationships, their growth was being held back by an expensive invoice finance facility that was chipping away at their margins. They needed a smarter, more sustainable solution to fuel their expansion.

How we helped

Valiant secured a $3M invoice finance facility at 10.35% p.a. (down from 13%), along with a $1M export finance facility. 

Combined, these solutions unlocked annual savings of $105,000 and improved cash flow, and gave them the flexibility to buy bulk inventory at discounted rates, all while supporting their international growth strategy.

{{second-banner}}

Stock up and scale your store with Valiant

No matter what you sell, whether you have a brick-and-mortar or online shop, we can help you take your retail business to the next level.

Our platform compares loans from 95+ lenders to match you with ones that suit your business. We know you’re juggling enough already, so we take care of funding, fast. 

We manage the paperwork, handle the application, and help get your loan sorted, so you can focus on what truly matters: keeping your shelves stocked and your business thriving. Get started today and see how simple financing can be.

The content in this blog is provided for general information purposes only. It doesn't constitute financial advice and shouldn't be relied upon as such. Always consult a licensed financial advisor, accountant, or legal professional to consider your personal circumstances before making financial decisions.

References
Retail
retail
Working capital
working-capital
Business acquisition loan
business-acquisition-loan
About the author
Carolina Mateus
SEO Content Specialist

Carolina Mateus is an SEO Content Specialist at Valiant, creating content that helps SMEs navigate business finance with confidence. She develops clear, actionable guides to simplify complex topics and support smarter funding decisions.

Last updated on
October 20, 2026

Next step

Loans at the speed of business

Get a quick quoteLearn more

Pause motion