For U.S. retail business owners
Stock the next opportunity.
Keep cash moving.
Inventory purchases and supplier payments often come before the sales they support. Explore working capital around your store’s sales cycle, margins and next stage of growth.
Request a Capital ReviewWorking capital · Growth
Your operating cash cycle
Buy stock with the full cash cycle in view.
More inventory is useful only when the sales plan and margins support it. Review what you need to buy, how quickly it is expected to sell and what cash remains after operating costs and existing payments.
Buy
Map order quantities, supplier deposits and delivery dates.
Sell
Use sales history and realistic sell-through assumptions.
Replenish
Separate proven sellers from slower-moving inventory.
Grow
Plan staffing, merchandising or a new channel alongside operating cash.
Put the capital to work
Start with the business need.
Tell us what the capital needs to accomplish, when the cash is needed and how your operation expects to repay it.
Purchase inventory
Review seasonal orders and replenishment against expected sales and margins.
Manage supplier payments
Look at payment dates, existing obligations and cash available from sales.
Support an expansion
Consider merchandising, staff or a new sales channel with a realistic ramp-up plan.
Financing fit
Evaluate the structure.
Understand the cash impact.
Working capital
Start with amount, purpose and timing, then assess potential financing against collections, existing debt and repayment capacity.
Revenue-based financing
May be considered for suitable established businesses. Evaluate total cost, payment frequency and the effect on available cash; revenue alone does not establish fit.
Your retail capital review
A clear next step.
Start with your operating needs and the sales or collections behind them.
Define the need.
Share the purpose, amount and timing of the capital.
Review the financial picture.
Consider revenue, margins, existing obligations and the collection cycle.
Identify what comes next.
An advisor can discuss potential paths and the information needed for further evaluation.
Practical questions
Before we talk.
Is revenue-based financing a fit for every retailer?
No. Sales consistency, margins, existing obligations and payment frequency matter. Review the total cost and cash-flow impact of any proposed structure, including how it behaves during slower sales periods.
What should I prepare?
Start with recent revenue, existing financing payments, an estimated capital need and timing. Sales history, inventory turnover, supplier terms and gross margins help frame the conversation.
What happens after I request a review?
An advisor reviews the context you share and follows up to discuss the business need and information needed for the next step.
Plan your next business move
What would the capital help you accomplish?
Tell us about your business and the decision in front of you.