Industry
Finance for Retail
Retailers pay for stock before they sell it, and trade is rarely even across the year. Rent, wages and inventory fall due on a schedule that sales do not follow. Finstead arranges finance for stock, cash flow, fit-outs and buying or expanding a store.
What finance suits retail businesses?
Working Capital: Covers rent, wages and day-to-day costs through quiet periods.
Trade Finance: Funds imported stock before it is sold, for retailers who buy from overseas suppliers.
Business Acquisition: Buying an existing store or a competitor.
Equipment Finance: Fit-outs, point of sale systems and display fixtures.
Situations we commonly see
- Buying large volumes of stock ahead of a peak trading season
- Importing stock that must be paid for months before it is sold
- Opening a second location or refitting an existing store
- A quiet stretch that squeezes cash flow while fixed costs continue
Frequently asked questions
Working capital or trade finance can fund stock ahead of the season. The right structure depends on whether the stock is imported, your trading history and the security available.
General information only, not financial advice. Lender criteria vary and approval is at the lender's discretion. Finstead is a broker, not a lender.