Inventory Timing
You buy stock for the holidays in summer — tying up cash for months before the first sale rings up.
Industry Funding
Stock the shelves
Stock the shelves
before the rush.
Retail means buying inventory months before it sells. We fund the gap between stocking up and ringing up, so you’re ready for every peak.
The Challenges
What slows down retail.
Retailers lay out cash for inventory long before it converts to sales. That’s the squeeze.
Seasonal Peaks
A huge share of annual revenue can land in a few weeks, demanding inventory and staff up front.
Expansion Costs
A new storefront means lease, build-out, and opening stock before it generates a dime.
Funding Solutions
Funding built for retail.
Capital that fronts your inventory and funds your growth.
Line of Credit
A revolving line stocks seasonal inventory and reloads as products sell — the most flexible fit for retail.
Explore Line of CreditMerchant Cash Advance
A merchant cash advance funds same-day and repays from daily sales, ideal for a high-volume shop.
Explore Merchant Cash AdvanceShort-Term Loans
A fast lump sum bankrolls a big pre-season buy or a new storefront opening.
Explore Short-Term LoansSame day
Fastest funding
$500K
Line of credit
24–48 hrs
Most approvals
$5M
Funding ceiling
Use Cases
What retail businesses fund.
- Stocking inventory ahead of peak season
- Opening or fitting out a new storefront
- Funding a big wholesale purchase
- Covering staff for a busy stretch
- Smoothing the buy-then-sell cash gap
“I buy holiday stock in July. A line of credit from Apex Velocity lets me front it without draining the business, then I pay it back as it sells.”
JC
Jordan Chen
Owner, Maple & Co. Goods
Eligibility
Most retail businesses qualify with 6+ months in operation, $15K+ in monthly revenue, and a 500+ credit score. Checking your options takes minutes and won’t affect your credit.
Be ready when the customers show up.
Front your inventory and fund your expansion with capital built for retail.