Can I borrow against inventory?

Not usually at this size. Most retail files fund on deposits and cash flow.

My revenue is almost all Q4.

That's normal and underwritable when the pattern is consistent year over year. It changes which structure fits.

Does ecommerce revenue count?

Yes, if it lands in the business account. Platform payouts are readable deposits.

How much should I take for a seasonal buy?

Less than you'd be approved for. We'll size it against turns rather than against optimism.

Industry

Retail

You buy in the spring for the fall and find out in December whether you were right. Retail financing lives and dies on inventory turns and on not borrowing against merchandise that isn't moving. A facility sized to last year's Q4 can be the thing that breaks this year's Q1.

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What we fund here

Seasonal inventory buy: $25K – $250K
Store improvements and fixtures: $20K – $150K
POS and systems upgrade: $10K – $50K
Payroll through a slow quarter: $10K – $75K

Ranges are typical, not guaranteed. Your terms depend on your business and the funder.

What usually fits

Flex Line of Credit

Inventory cycles repeat — draw for the buy, repay through the season.

$10,000 – $250,000

Merchant Cash Advance

Card deposits underwrite quickly when the buy can't wait.

$10,000 – $500,000

Working Capital

For a one-time buy with a season already behind it.

$10,000 – $500,000

What underwriters look at

Card deposit consistency and how sharply the season swings.
Inventory turns. Unsold stock is a cost, not collateral.
Lease term and location stability.
Whether ecommerce revenue is settling into the same account.

Questions

Can I borrow against inventory?: Not usually at this size. Most retail files fund on deposits and cash flow.
My revenue is almost all Q4.: That's normal and underwritable when the pattern is consistent year over year. It changes which structure fits.
Does ecommerce revenue count?: Yes, if it lands in the business account. Platform payouts are readable deposits.
How much should I take for a seasonal buy?: Less than you'd be approved for. We'll size it against turns rather than against optimism.

Let's see what your numbers support.

Three documents to start: the last four months of business bank statements, a driver's license, and a voided check. That's the whole file to get options back.

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FundMainStreet.com is a financing arranger, not a lender or a bank. We connect business owners with third-party funding partners and are compensated by those partners when a transaction closes; we disclose that compensation to you before you sign. Approval, terms, and funding are determined solely by the funding partner. Merchant cash advances are purchases of future receivables, not loans. All figures shown on this site are illustrative and are not an offer or commitment to fund.