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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.

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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.

Inventory Management

Maintain sufficient inventory levels with the resources you need for all your best-selling products.

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.
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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

We Get The Best Deals From...

Latitude Financial
ANZ
Finstro
Morris Finance
Pepper Money
OnDeck
Shift Financial
La Trobe Financial
Moneytech
Lumi
Azora
Scottish Pacific
Moula
Autopay
Westpac
Banjo
Firstmac
Finance One
Earlypay
NAB
Metro Finance
Dynamoney
Liberty Financial
Angle
Business Fuel
Prospa
Azora
Dynamoney
La Trobe Financial
Westpac
Business Fuel
Finstro
Moneytech
Liberty Financial
Lumi
Morris Finance
OnDeck
Banjo
Finance One
Prospa
Angle
Earlypay
Firstmac
Latitude Financial
Pepper Money
Moula
Autopay
Scottish Pacific
NAB
ANZ
Shift Financial
Metro Finance

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 2: 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 20,000 Australian SMEs across every industry access $2.5+ billion in funding—supporting them through challenges and unlocking new opportunities.
Discover the Valiant difference

FAQ's

How can I open a retail franchise?
How can retail businesses benefit from a merchant cash advance?
How can I get a retail business loan?
What documents do I need to apply for a retail business loan?
How long does it take to get approved for a retail business loan?
Can I get finance for a retail business with bad credit?

Hear From Our Clients

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Awards

Our milestones are a testament to the amazing people behind Valiant.