What is the best business loan for a general retail store?

The ideal choice is a short-term working capital loan that flexes with your buying cycles—peak seasons, holiday inventory builds, and slow months. You can cover everything from bulk stock purchases to leasehold improvements. As long as you’re a U.S. citizen, have been open 3+ months, deposit $10 K+ per month into a business checking account, and hold a 450+ FICO, you qualify. We underwrite on real sales, not just collateral.