Funding for retail stores.
Stock up before the season hits. Fast capital sized to your sales.
Why this industry
Why retailers come to Harbor
Retail lives and dies by inventory timing. Q4 sells what you bought in Q3. If you can't front the inventory, you can't capture the sales. Harbor funds against your existing deposits — Square, Shopify, Clover, plain old bank — so you can buy ahead of the season instead of chasing it.
Real example
A boutique used $5,000 ahead of the holiday season for inventory. Daily payback matched her actual sales rhythm.
Fast capital when it matters
Same-day decisions and 24-hour funding for approved deals — no broker delays.
Payments that match your cash flow
Daily, weekly, or bi-weekly debits sized to a small share of your revenue.
Direct funder, no middleman
Your application stays with us. No commissions, no shopping your file around.
Common uses of funding
What retail owners say
From businesses Harbor has funded.
"Bought my holiday inventory in October instead of scrambling in November. Best decision."
"Daily debit barely registered against the holiday sales bump. Smart structure."
Industry FAQ
Does e-commerce revenue count?
Yes — Shopify, Square, and other platform deposits we can verify all count.
READY WHEN YOU ARE
Find out in 5 minutes.
A real underwriter — not a bot — reviews your file the same business day.
- 5-minute applicationFive questions. No documents upfront.
- Soft credit pullDoesn't affect your personal score.
- No obligationSee your offer before committing.
Harbor Funded"Applied Tuesday morning. Money was in our account Wednesday."
Diego · Restaurant owner · Florida