Who it is for
This is for established retail businesses selling through physical stores, online channels or both.
- Retailers buying seasonal or fast-moving stock
- Stores preparing for promotions or peak trade
- Businesses managing supplier, rent or payroll timing
- Retailers upgrading POS, shelving, fit-out or ecommerce systems
Common funding uses
Retail funding is often tied to stock cycles, supplier terms and timing between inventory spend and customer sales.
- Inventory, seasonal ranges and supplier orders
- Marketing campaigns and promotion costs
- Rent, wages and short-term cash flow gaps
- Fit-out, displays, shelving and POS upgrades
- Bridging timing gaps between online sales and settlement
What affects eligibility
Lenders generally focus on sales consistency, gross deposits and whether inventory spend makes sense against trading history.
- Monthly turnover and seasonal sales pattern
- Card, marketplace and bank deposit activity
- Stock turnover, supplier terms and existing debt
- Recent dishonours, ATO arrears or overdraft pressure
- Whether the requested amount is aligned with sales volume
What documents are needed
Bank statements are usually the first step, with inventory or supplier evidence helpful for stock-related requests.
- Recent business bank statements, usually the last 3 to 6 months
- ABN, entity and director details
- Requested amount and a clear funding purpose
- Basic turnover, trading history and contact details
- Supplier invoices or stock purchase orders
- Sales channel or POS reports if they explain trading strength
Check options
Get a practical view before you apply broadly.
Tell us the funding amount, turnover and purpose. A lending specialist will review what looks realistic and explain the next step if there is a lender fit.