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Funding for retail stores that shows up when you need it.

Stores make most of their money in a few busy stretches, but inventory has to be bought and paid for well before shoppers walk in the door. Kapital Hero provides up to $2,000,000 in working capital, often funded within 24 hours.

$500M+funded to small businesses
6,000+businesses funded
6+ yearsserving businesses from Melville, NY
<24 hrsfrom approval to funding
Put it to work

How retail stores use Kapital Hero funding

Seasonal inventory

Stock up ahead of the holidays or your peak season.

Store improvements

Refresh displays, lighting and layout.

E-commerce

Build out your online store and fulfillment.

A new location

Open where your customers are.

Why Kapital Hero

A funding partner that understands retail stores

We look at your real revenue and time in business, not just a credit score. One advisor walks you through every step.

We know retail seasonsA slow month doesn't define your business.

Funds before the rushFast decisions so inventory arrives on time.

Pay down earlyNo prepayment penalties after a strong season.

RetailExample
Real-world example

A boutique stocks up for the holidays

A clothing boutique places its holiday order in September to lock in supplier pricing and avoid sell-outs.

Example: $50,000Seasonal inventory
See what you qualify for

Scenarios are illustrative examples, not actual clients or guaranteed results.

Paperwork

Three documents. That's it.

No business plans or tax returns to get started.

  • Last 4 months of business bank statements
  • Driver's license
  • Voided business check
Start My Application
How it works

From application to funded in three moves

1

Apply online

Share a few details about your business and connect your bank statements.

2

Review your offer

Your advisor explains the amount, payment and total cost so you can choose with confidence.

3

Get your funds

Sign electronically and receive the money in your business account, often within 24 hours.

Questions

Questions from retail stores

Can I use funding for inventory?

Yes. Buying inventory ahead of busy seasons is one of the most common uses.

Do you fund online stores?

Yes. Online and brick-and-mortar retailers can both apply.

What do I need to apply?

Usually a short application and your last 4 months of business bank statements.

How much can I get?

Up to $2,000,000, based mainly on your monthly revenue and time in business.

Will checking my options hurt my credit?

No. Seeing your options does not affect your personal credit score.

Ready when you are.

Apply online in minutes, or call a Kapital Hero advisor at (516) 260-6467.