Inventory and Growth Funding for Retail
Stock shelves, refit stores, and expand locations with funding designed for the inventory-heavy, margin-sensitive world of UK retail.
- ✓ Soft search only — no impact on your credit score
- ✓ Money in your account in about 24 hours
- ✓ Compare lenders with one application
2,400+ businesses fundedNo upfront fees • Free quote in minutesTwo banks told me to come back next year. These guys had the money in my account by Thursday.
Nobody ran a hard search, nobody played games. The offer they showed me is the offer I got.
Bought a second van right before our busy season. It paid for itself in two months.
How much would actually help?
We build around your business.
No collateral required
We fund the business on its revenue — not your possessions.
Pay when you can
Repayment follows your actual sales — strong months pay more, slow months ease up.
Funded fast
Most owners see offers the same day and money within ~24 hours of signing.
Retail Business Funding
Retail businesses are inherently inventory-dependent: your revenue is locked in the products sitting on your shelves and in your stockroom. Ordering too little means empty shelves and lost sales; ordering too much ties up capital that could fund marketing, staffing, or store improvements. This constant balancing act is compounded by seasonal demand swings, supplier payment terms, and the pressure of competing with well-capitalised national chains.
Granton Hale Capital funds retail operators across every category — convenience stores, grocery and corner shops, boutiques, specialist retailers, and multi-site chains. We evaluate your business based on EPOS data, stock turnover, and gross margin trends rather than just personal credit. A shop doing £40K per month in card sales with healthy turns is a strong candidate regardless of what a credit file says.
Whether you need to bulk-purchase stock before a seasonal rush, refit a shopfront to improve footfall, install new EPOS and security systems, or open a second location, we structure funding around retail cash-flow cycles and repayment terms that work with your margin structure — available to most active UK limited companies, often with no personal guarantee.
The funding gaps we close.
Stock Purchasing Pressure
Suppliers require upfront payment or short Net-15 terms, but products may sit on shelves for weeks before selling. Seasonal stock requires even larger upfront commitments months before peak demand arrives.
Thin Margins and Rising Costs
Retail margins of 2–8% (grocery) to 30–50% (specialist) leave little room for error. Rising supplier costs, shipping expenses, and National Living Wage increases can eliminate profitability without quick operational adjustments.
Competition from E-Commerce and Supermarkets
Independent retailers must invest in store experience, marketing, and convenience features (click-and-collect, local delivery) to compete — all requiring capital that tighter margins make difficult to accumulate organically.
Store Refit and Maintenance
Ageing fixtures, outdated layouts, and worn flooring drive customers to competitors. Store refits typically cost £40K–£200K but can increase revenue 15–30% — a strong return if you can fund the investment.
Funding built for your work.
Fast capital for stock purchases, seasonal staffing, and operational expenses with repayment terms of 3–18 months.
Structured financing for store refits, new location fit-outs, and major capital improvements.
Revolving credit for stock purchasing — draw funds when placing orders and repay as products sell through.
Finance EPOS systems, refrigeration units, display fixtures, security systems, and other retail equipment.
Your funding in three steps
Apply online
- 60-second form, plain questions
- Soft search only — no score impact
- Bank-level encryption
Compare real offers
- Every option, side by side
- Same-day decisions
- Free to look — no obligation
Get funded
- Funded within ~24 hours
- No hidden fees, ever
- Built around your needs
What owners do with it.
Stock up on Christmas merchandise, back-to-school supplies, or seasonal products at volume discounts before the rush begins.
Update signage, fixtures, lighting, and layout to increase footfall, improve customer experience, and boost average transaction size.
Fund the lease deposit, fit-out, opening stock, and staffing costs of expanding to a new high street or market.
Invest in a website, order management system, and delivery infrastructure to serve customers beyond your physical footprint.
Owners just like you — funded.
Real businesses, real outcomes. Names and details changed for privacy — the numbers are typical of funded files.
Fair questions, straight answers.
01Do you fund convenience stores and corner shops?+
Yes. We fund convenience stores, grocery and corner shops, specialist food retailers, and general merchandise stores. We understand the low-margin, high-volume dynamics of these businesses and structure terms accordingly — including shorter repayment periods that align with fast stock turnover.
02Can I get funding to stock up before the Christmas season?+
Absolutely. Seasonal stock financing is one of the most common reasons retail clients work with us. We recommend applying 60–90 days before your peak season so capital is available when supplier orders need to be placed.
03What EPOS data do you need for my application?+
We can work with processing statements from any major EPOS system — Square, Zettle, SumUp, Lightspeed, Shopify POS, or traditional card-machine statements. Three months of statements is typically sufficient for underwriting, and checking your options is a soft search with no impact on your credit score.
04Do you require security over my stock?+
For most working capital products we don't take security over stock or business assets, and most deals need no personal guarantee. Asset finance is secured by the specific equipment purchased. Our primary underwriting criteria is your revenue and business performance, not collateral.
See your numbers first. Then decide.
- ✓ Pre-qualify in 60 seconds
- ✓ No obligation, no pressure calls
- ✓ Real people behind every file — 100% online