Funding for Retailers

Alternative Retailer Loans

Traditional lenders can be difficult to work with when seeking out working capital for your retail store. The approval process can be lengthy and may require you to provide many documents. Due to common retail factors such as seasonality, high employee turnovers, and changes in trends and consumer behaviors, funding can often be considered “high risk” resulting in application denial.

As an alternative lender, Wing Lake Capital has the capability of approving retail loans with a faster timeline than traditional lenders. We provide different lending options for all types of retail businesses and offer alternative retailer loans starting at $1mm. Our expert advisors will work closely with you to determine which lending options will help you achieve your goals without compromising your cash flow.

Benefits of working with Wing Lake Capital

Our Term Loans

Provide traditional lending options and debt relief for businesses looking for non-credit-based alternatives.


Merchant Cash Advances

Provide fast, simple, and short-term lending solutions for customers without factoring in their credit. 

Use your funding for:

A retail business loan can provide the funds you need to meet the unique
challenges of running a retail business, such as:


Seasonality—some estimates suggest that roughly 20% of retail sales occur during the holiday season


Growth of online retail threatening small retail outlets


High staff and customer turnover


Changes in consumer behavior—consumers are prioritizing events and experiences over consumer goods

Use your funding for:

Expanding to a new location or renovate your existing location

Create a website to sell your products online

Stock up on inventory or buy in discounted bulk

Consolidate your business loan debts

Offer experiential events in your space or sponsor events in your community

Upgrade your technology and boost your marketing

How Retailer Funding Works


Submit your application


Speak to funding advisor





Check out our other services

Business Line Of Credit

A Business Line Of Credit is one of the simplest business funding solutions for small businesses in need of working capital. A business line of credit provides funds specifically for use in the business and can be used to pay for operating expenses. With a business line of credit, you have a set amount you can draw on but only have to payback what you borrow.

– Flexible
– Liability-Free

– Easy Access
– Hassle-Free Application

Bad Credit
 Business Loans

A Bad Credit Business Loan provides options for those who have bad or poor credit as defined by their FICO score or credit history. A bad credit business loan will provide you with access to the funds you need by taking other factors into consideration.

– Consolidate Debt
– Access Cash

– Improve Your Credit
– Hassle-Free Application

Term Loans

A term loan is regarded as a loan with a repayment term that is three years. Compared to other types of loans, a term loan can be considered a good option if you're in need of borrowing a larger amount of money and want to have lower monthly payments.

– Access Cash
– Lower Interest Rates

– Minimize Investor Influence
– Hassle-Free Application

How can you qualify for a loan with Wing Lake Capital?

Our loan options facilitate access to cash flow by providing non-credit-based solutions for businesses. We make consolidation opportunities available by focusing on the earnings and profitability of your business, not your credit score. We base qualification on your debt schedule and profit/loss margins.

Term Length
3 years
# of Monthly Payments
Monthly Payment Reduced

Do you qualify? Our loan advisors would love to answer any questions you may have about your business loan options.

Stressed young African couple can't stand tension of financial crisis, looking unhappy and frustrated, sitting at kitchen table with calculator, trying to save some money by cutting domestic expenses

Who else can benefit?

Our services benefit industries such as restaurants, dental practices, attorneys, dry cleaners, gas stations, pharmacies, and more. No matter what industry you operate in, our expert Funding Advisors will work closely with you to select the best funding option to help you achieve your business’s goals without sacrificing cash flow.

Why restructure your debt with Wing Lake Capital?

Our consolidation solutions provide multiple restructuring options that can lower your monthly payments by 60% or more!

Fast Approval Measures

Trusted and Secure Process

Quick & Easy Funding

Not Based On Credit Score

Affordable Rates

Convenient Repayment

Frequently asked questions

To qualify for a loan from Wing Lake we need to see positive cash flow and on average $300K revenue per month or $3mm gross revenue on an annual basis

You can apply here

We invoice payments on a monthly basis

On average our underwriting process takes  2 to 4 weeks 

75% coverage is typically required

Trusted by small businesses everywhere.

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businesses powered
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