Industry Funding

Retail Business Loans & Retail Capital for Stores, Boutiques, and Small Chains

Retail business loans and retail capital address the central financial challenge of any product business: inventory must be purchased — often months ahead of peak season — before it generates revenue. A retailer building stock for the holidays, capturing supplier discounts on bulk orders, restocking fast-moving products, or launching new product lines all face the same timing gap between paying suppliers and collecting from customers. Y Millennial Funding provides retail business loans and revenue-based retail capital for retailers doing $25,000 or more in monthly revenue — independent retailers, boutiques, specialty stores, brick-and-mortar shops, and small retail chains across categories. We are a direct funder, not a broker, and we underwrite based on revenue patterns and bank or card-settlement strength rather than the inventory as collateral or credit score alone, which sidesteps the slow valuation that makes traditional bank inventory lending hard to access. Funding is structured as a percentage of revenue, so remittance flexes with actual sales — lighter during slow stretches, larger during the holidays and other peak periods. Retailers use this funding for inventory purchases and seasonal stock-ups ahead of peak periods, for capturing supplier pricing and bulk discounts, for restocking fast-moving products, for adding new product lines, for store build-out, renovation, and expansion to a new location, for point-of-sale and technology, for marketing, and for working capital through seasonal cycles. We also work with e-commerce retailers, and that has a dedicated funding page. Decisions are fast, which matters when an inventory buying window or a supplier pricing tier is time-sensitive. A merchant cash advance is not a loan; it is the purchase of future receivables. Not all applicants qualify, and approval depends on revenue patterns, time in business, deposit consistency, and other factors.

Merchant cash advances are not loans. Funding amounts, terms, and timing vary based on business performance and underwriting. Not all applicants qualify.