Inventory financing, store expansion, and working capital for brick-and-mortar and e-commerce retailers — $10K to $2M.
Retail businesses must purchase inventory 3–6 months before peak selling seasons. Seasonal retailers may need $100K+ in inventory before it generates a dollar of revenue. Traditional lenders often struggle to evaluate retail businesses, particularly e-commerce operators who don't have physical assets to collateralize.
Bridgepoint provides revolving lines of credit from $10K–$500K for inventory purchases, short-term loans for seasonal buys or renovations, and SBA loans up to $2M for new location buildouts. E-commerce retailers are evaluated on revenue trends and sales velocity — not just physical assets — which opens options that conventional banks won't offer.
We also help retail businesses build business credit to reduce borrowing costs as they scale from a single location or Shopify store to a multi-channel retail operation.
Q4 inventory must be purchased in August and September. That means $50K–$200K in working capital tied up for 90+ days before the revenue arrives to repay it.
A second location or a major store renovation costs $50K–$250K in buildout, fixtures, and equipment. SBA and term loans provide long runways at manageable payments.
Shopify, WooCommerce, and marketplace advertising require upfront investment before returns materialize. Revenue-based lenders evaluate your sales velocity — not hard assets.
Paid social, influencer campaigns, and Google Ads require budget before they generate returns. Short-term loans and credit lines fund customer acquisition before peak seasons.
Revolving lines of credit up to $500K tied to your sales cycle — draw for inventory purchases, repay as products sell
Fast 24–48 hour approvals to lock in supplier pricing before competitors — critical when inventory is limited or prices are rising
Lenders who evaluate e-commerce on revenue trends, sales velocity, and marketplace metrics — not physical assets alone
Short-term and long-term options from 6-month inventory loans to 10-year SBA loans for multi-location expansion
Revolving credit up to $500K for inventory purchasing and seasonal working capital. Draw and repay as your sales cycle dictates.
Learn more →Fast capital for seasonal inventory buys, renovations, or marketing campaigns with terms from 3–18 months.
Learn more →Long-term government-backed financing up to $2M for new locations, major renovations, and retail expansion.
Learn more →Flexible term loans for retail businesses that need straightforward capital without complicated collateral requirements.
Learn more →