Retail
Stock up. Scale up. Stand out.
Fast funding for retail businesses in Florida. Apply in 60 seconds.
Why Retail Businesses Need Funding
The real challenges retail owners face
Inventory Purchasing Cycles
Wholesale orders require payment 30–90 days before the inventory sells. Capital gaps between purchase and sale strain cash flow constantly.
Seasonal Stock Requirements
Holiday season, back-to-school, and other retail peaks require large upfront inventory investments weeks before cash registers ring.
POS and Technology Upgrades
Modern retail demands modern systems: inventory management, e-commerce integration, contactless payment. Upgrades are expensive but necessary.
New Location Costs
Opening a second location requires build-out capital, deposit, fixtures, and initial inventory — all before the first sale.
Luma Funding Options for Retail
The right product for the right moment
Line of Credit
$5K–$200K
Draw for inventory orders, repay when sales come in. Revolving — no reapplying.
Learn More →Business Loans
$10K–$500K
Fixed payment loans for buildouts, new locations, or major equipment.
Learn More →Before our holiday season I needed $60K in inventory but the cash wasn't there yet. Luma's line of credit meant I could stock up and repay it as sales rolled in.
Sofia R.
Boutique Clothing Store
Fort Lauderdale, FL
$60K line of creditof retail closures cite cash flow as primary cause
average inventory investment for mid-size retailer
average Luma funding time
FAQ
Questions about funding your retail business
Yes. Drawing from a line of credit to fund inventory purchases is one of the most common uses for retail businesses. You draw what you need, repay as inventory sells.
Seasonal patterns are expected in retail. Luma reviews trailing 12-month revenue, not just the most recent month, so seasonal dips don't disqualify you.
Yes. Business loans are well-suited for new location capital. We'll review your existing location's performance and the new location business plan.
Yes. Online retailers with consistent monthly revenue qualify for all Luma products. We review bank statements, not physical locations.
Apply for a line of credit during your slow season so it's in place before you need it. Same-day draws are available once the line is established.
Get funded for your retail business
Florida's fastest funding for retail owners. Apply in 60 seconds.