Small business loans and credit for retail shops

Retail shops often need cash for stock ahead of a busy season, repaid as sales come in. Square Loans charges a flat fee with no interest and offers appear on their own, with no fixed monthly payment. You must sell through Square; Lendio sends one application to 75+ lenders.

All 12 loans & credit tools, ranked for retail shops

Tool	Fit for retail shop	Starts at	Pricing	Users	Integrations
Square LoansBlockFit 90	90	Flat fee, no interest	Paid	n/a	Square only	View
LendioLendioFit 80	80	Free to apply	Free	n/a	Bank and accounting connections	View
CrediblyCrediblyFit 75	75	Factor rates from 1.11	Paid	n/a	Soft credit check to apply	View
National FundingNational FundingFit 72	72	Rates by quote	Paid	n/a	Bank connection	View
Fora FinancialFora FinancialFit 72	72	Factor rates from 1.13	Paid	n/a	Soft credit check to apply	View
OnDeckOnDeckFit 70	70	Avg 53.2% APR	Paid	n/a	Bank connection	View
Bluevine Line of CreditBluevineFit 70	70	Rates from 7.8%	Paid	n/a	Bluevine checking, bank connection	View
QuickBooks CapitalIntuitFit 70	70	From 13.49% APR, no fees	Paid	n/a	QuickBooks Online (apply inside it)	View
KapitusKapitusFit 70	70	Rates from 6.2%	Paid	n/a	Bank connection	View
Headway CapitalHeadway CapitalFit 68	68	Interest + 2% draw fee	Paid	n/a	Bank connection	View
Shopify CapitalShopifyFit 60	60	Flat fee, no interest	Paid	n/a	Shopify	View
Stripe CapitalStripeFit 50	50	Flat fee, no interest	Paid	n/a	Stripe only	View