Retail & eCommerce Business Loans Canada
Inventory, Expansion, Digital Growth
Brick-and-mortar boutiques, Shopify merchants, Amazon sellers — retail needs capital at the right time. lendflo gives Canadian retailers access to 50+ lenders who understand seasonal cycles, inventory, and digital revenue. Fast decision.
Retail Financing Solutions
Inventory Financing
Stock up for peak season without draining cash. Finance inventory for Black Friday, Christmas, and spring restocks.
eCommerce Growth Loans
Scale your Shopify, Amazon, or WooCommerce store. Fund ad spend, platform upgrades, and warehouse expansion.
Store Expansion & Renovation
Open a new location, renovate your existing space, or upgrade POS and display systems.
Retail & Commerce Types We Finance
FAQ — Retail & eCommerce Financing
We’re here to simplify your business financing journey, so you can feel confident every step of the way.
Yes. Inventory financing is one of the most common uses for retailers through lendflo. Plan ahead for peak periods — Christmas, Black Friday, back-to-school — and access funds quickly.
Yes. eCommerce merchants (Shopify, WooCommerce, Amazon, Etsy) can obtain financing based on their online revenue. lendflo works with lenders who understand digital business models and accept platform revenue statements.
Through lendflo, retailers and online merchants can borrow from $5,000 to $2 million depending on revenue and history. Inventory financing: $5K–$500K. Term loans: $25K–$2M. Working capital: $5K–$250K.
Most approved retailers receive funds quickly. Free 5-minute application with no credit score impact.
Still have questions?
No obligation, just answers.
Quick answer
How do retail and e-commerce businesses get financing?
Retailers and online sellers usually borrow for inventory, point-of-sale and warehouse equipment, or working capital. lendflo lenders look mainly at monthly revenue, so a store or online shop with about $10,000 a month and 6+ months in business can apply for $5K to $250K of working capital or $25K to $2M in term loans.
The retail cash-flow cycle
Retail and e-commerce spending is front-loaded. You pay suppliers for inventory weeks or months before holiday and peak-season sales arrive, and returns, shipping and ad spend add to the gap. Funding timed ahead of Q4 lets you buy stock in bulk and secure better supplier pricing.
What retailers commonly finance
- Seasonal inventory purchases ahead of the busiest months
- Point-of-sale systems, shelving, refrigeration and store fit-outs
- Warehouse, packing and fulfilment equipment for online sellers
- Marketing and platform costs that pay back over time
Choosing between products
Working capital suits short-term inventory needs, while a term loan fits a longer-term project such as opening a second location. Equipment financing keeps cash free when the purchase is a fixture or machine that holds its value.
Retail & eCommerce Financing — Fast
Finance your next inventory buy or store expansion. Free application, no credit impact.
Free · No credit impact · fast decisions · 50+ lenders
What you need to apply through lendflo
Most lenders in the network look for these basics.
- A registered Canadian business — in any province or territory.
- Time in business — at least 6 months of operation.
- Revenue — around $10,000 a month or more.
- A Canadian business bank account — that is valid and in use.
- Recent bank statements — usually three to six months.
- Credit — scores from 500 are considered; revenue and cash flow count too.
People also ask
It depends on revenue, time in business, credit and the product. Through lendflo, term loans run from $25,000 to $2,000,000, equipment financing from $10,000 to $500,000 and working capital from $5,000 to $250,000. Lenders size an offer to what your revenue can repay.
Through lendflo, most applicants get a fast decision, and funds typically arrive shortly after approval. Speed depends on the lender and on how complete your documents are, so have recent bank statements ready before you apply.
Most lenders ask for three to six months of business bank statements, your business registration, identification, and the amount and purpose of the loan. Equipment loans add a supplier quote, and larger amounts may need recent financial statements or tax filings.
There is no single cutoff. Banks usually want good credit, while alternative lenders in lendflo’s network consider scores from 500 and weigh revenue and cash flow heavily. A higher score generally means better terms, so check your credit report for errors before you apply.
Terms explained
What is equipment financing?
Equipment financing is a loan or lease used to buy business equipment such as vehicles, machinery or technology. The equipment itself usually serves as the lender’s security, which makes approval easier and can keep the down payment low. Through lendflo it runs from $10,000 to $500,000, with terms up to 84 months.
See in the glossaryWhat is working capital?
Working capital is the cash a business uses for day-to-day costs such as payroll, rent, inventory and supplier bills. A working capital loan bridges the gap between paying those costs and getting paid by customers. Through lendflo it is based mainly on recent revenue rather than collateral.
See in the glossaryWhat is a business line of credit?
A business line of credit is a revolving credit limit: you borrow what you need, repay it, and borrow again, paying interest only on the balance you use. It suits ongoing swings in cash flow better than a one-time purchase, which a term loan handles better.
See in the glossaryTopic guide
Part of the guide: Financing by industry
How financing works for restaurants, trucking, construction, farms, clinics, retail, manufacturing and tech.