Inventory management
Maintain sufficient inventory levels with the resources you need for all your best-selling products.
Finance for retail businesses
Breaking into the competitive retail industry and standing out in such a crowded market isn’t always easy. Be it cash flow, inventory management or store renovations, we ensure you have the funding to grow both your brand recognition and your customer base.
Requesting a quote has no impact on your Credit Score.
Common financing needs for retail businesses
Whether you're just starting out or expanding, the right loan can help you access the capital to drive your business forward.
New equipment
Time for an upgrade? Financing helps you buy (or lease) POS tech, display fixtures, store shelving, and more—without the hefty upfront cost.
Payroll and training
Hire casual staff for peak seasons, make sure your team is compensated on time, and invest in employee training for top-tier customer service.
Seasonal fluctuations
Meet seasonal demand spikes—like the holidays, back-to-school, or EOFY sales—and cover higher operational costs during peak periods.
Store renovations
Access credit for renovations and upgrades, and attract even more customers to your store.
Expansion
Eyeing a new store location or looking to move into the e-commerce space? Financing helps fuel your growth.
Marketing
Get your name out there—through billboards, TV campaigns, online ads, or all of the above—with the funding to back it up.
Finance solutions built for retail businesses
Business line of credit
Access funds to manage cash flow fluctuations during peak seasons and replenish inventory as needed.
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Unsecured business loan
Borrow money to pay for routine business expenses (or cover unexpected costs) without needing to offer collateral.
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Trade finance
Secure capital to purchase goods from domestic or international suppliers without draining your cash reserves—especially ahead of peak seasons.
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Secured business loan
Borrow money, use an asset as collateral, and enjoy lower interest rates, longer terms, and higher loan amounts.
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Requesting a quote has no impact on your Credit Score.
Types of retail businesses we finance
- Clothing stores
- Grocery and convenience stores
- Homewares and furniture stores
- Electronic and tech retailers
- Personal care and beauty retailers
- Pet supply stores
- Sporting goods and outdoor retailers
- E-commerce retailers
- Gift and speciality stores
- And more
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How to apply for retail finance
STEP 1: GET A QUOTE
Tell us about your business loan needs and immediately receive quotes from over 90+ bank and non-bank lenders.
STEP 2: GET APPROVED
Confirm your quote and we handle your business loan approval so you can focus on what matters—your business.
STEP 3: GET FUNDED
Sign your finance documentation and receive funding. It is that simple.
Get a quote
Requesting a quote has no impact on your credit score.
Why choose Valiant
ONE APPLICATION TO 90+ LENDERS
We simplify business finance by handling the hard work. Complete a quick form or speak with a specialist, and we’ll match you with the right solution from 90+ lenders—often within 24 hours.
PERSONALISED SUPPORT
Our expert brokers cover all areas of commercial finance. From your first quote to settlement and beyond, you’ll have a dedicated broker by your side—ready to support your funding needs now and in the future.
BUILT FOR AUSTRALIAN SMEs
Since 2015, we’ve helped over 30,000 Australian SMEs across every industry access $3 billion in funding—supporting them through challenges and unlocking new opportunities.
FAQ's
How can I open a retail franchise?
Investing in retail franchising is a great way of owning a business without having to start from scratch. If you need financial support, you can always apply for franchise funding. Need help getting started? Request a quote and chat with one of our lending experts.
How do retail businesses use merchant cash advances?
If you receive most of your turnover through EFTPOS terminals, you may benefit from a merchant cash advance. This is a type of business finance where repayments come from your future credit card sales rather than directly from your pocket.
How can I get a retail business loan?
If you've been looking into business loans for retailers, we can help. Fill out our quick form, and our lending experts will then get in contact to confirm your details and find the right finance solution for your needs.
What documents are required for a retail business loan?
Different lenders require different documentation, but at the very least, you can expect to provide business registration details, financial, tax and cash flow statements, and balance sheets.
How long does retail business loan approval take?
With Valiant, you can get funding in as little as 24 hours.
Can I get finance for a retail business with bad credit?
It’s possible to get retail business finance with bad credit. Improve your chances by managing debt, correcting credit errors, and ensuring timely repayments.It’s not impossible, but lenders do prefer borrowers with a history of successfully repaid loans, so it’s important that you pay debts on time and manage your credit usage. If you have a poor credit score, check if any information on your record needs correcting or could be fixed. If you have current debts, try to drive those down before you apply for a loan.
Hear from our clients
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Awards & key milestones
Our milestones are a testament to the amazing people behind Valiant.
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