Retail Business Loans

Get funding for your retail business

Looking for a small business loan? Or, just want to chat about what you could qualify for? Let one of our Lending Advisors walk you through the application process and match you to the best financing option for your business.
"Apply in minutes!"
Eanna, Lending Advisor
Flower Truck, Nashville, TN
“[Tillful] never does a hard credit pull.”
Harry F.
Business Owner
“More than just the free credit score.”
Lloyd G.
Business Owner
“Advisors who go above & beyond.”
Colby K.
Business Owner
Tillful Funding

More lending partners,
less problems.

Let us match you with the best business funding products that are right for you, are on terms you feel good about and that you're most likely to qualify for. Say the word and your Funding Advisor will submit applications and negotiate on your behalf across our vetted Lender network. After, they’ll break down the costs and terms before you sign, so that you don't take out more than you can afford.
Tillful Funding eliminates the confusion, frustration and risks business owners often face when seeking funding, whether online or from local or traditional lenders. Your Funding Advisor is here to advocate for your best interests, so before you sign, you know the exact costs, terms and don’t take out more than you can afford.
Our trusted lender network

Applying for funding can be…a lot.
We’ve got your back.

Apply online – submit your business information and get instantly matched with your personal Lending Advisor.
Chat with your rep – your Lending Advisor will give you a quote for how much you qualify for, and walk you through the application process.
Get funded – compare your offers, lock down your funding, and take the next step in your business’s journey.

Common Small Business Loans

Here’s a quick guide to the most common types of business financing, so you can go forward confidently.

Equipment Financing

If you’re looking to purchase equipment for your business, such as a new sewing machine, or even a commercial truck, equipment financing is a specific type of product for that purpose. Instead of having to put up collateral or a personal guarantee, in most cases, equipment financing allows you to use the equipment as collateral.

Good ☑️

  • for businesses looking to make big purchases

Merchant Cash Advance

Merchant cash advances provide a quick cash infusion (usually within 24 hours) that is repaid with a percentage of daily sales made by credit and debit cards. When sales are higher, a larger portion of the cash advance is paid back. They are primarily used when speed and convenience are priorities, and are the most common type of funding that new businesses can qualify for.

Good ☑️

  • for businesses with no business credit history
  • for businesses poor credit
  • for speed & convenience

Line of Credit

A business line of credit allows a company to borrow cash as needed up to a maximum amount. They’re similar business credit cards, but usually come with higher limits. This buffer can resolve cash flow shortfalls, which is especially useful in emergencies or when navigating temporary or seasonal fluctuations.

Good ☑️

  • for businesses who want flexible funding as needed
  • for speed & convenience

You have questions, we have answers.

The answer to this is very individual — it depends on your business type and what your needs are. When you apply through Tillful Funding, your Lending Advisor will walk you through your best options. Read more here.
Getting approved varies by lender. Some best practices for increasing your chances is to increase your business credit score, make sure you have at least 3 months of bank statements from a business bank account, have at least 6 months time in business, have minimal negative revenue months, and have minimal poor marks such as bankruptcies and liens.
No, Tillful never does a hard pull. Some of our lenders do require hard pulls to approve applicants. We will always ask for your consent before telling a lender that they can move forward with a hard inquiry. 
Lenders vary in the factors that they look for. Generally, solid revenue and cash flow performance, longer time in business, and good business (and sometimes personal) credit are all factors that lenders look favorably upon. Learn more about how lenders assess risk.
No, Tillful does not currently extend our own financing products. Instead, our Lending Advisors match small business owners with their best options from our network of lenders. This means you can rate shop in one place.
There could be many reasons why a lender declines an applicant, including reasons that have little to do with the applicant’s eligibility. Even if you have a pre-approval, it’s not guaranteed you’ll get a final offer. We recommend taking 3 months to increase revenue, smooth over any cash flow patterns, and work on increasing your business credit score before applying again. Our Lending Advisors can help walk you through the necessary steps to get you ready.

Some business owners may consider alternative funding options to finance their business if they’ve been turned down for loans in the past, have yet to build their business credit, have poor credit, or are unsure of how much funding they really need for their business.

Some alternative funding options include: grants, venture capital, angel investments, pitch competitions or bootstrapping.

Speak with our Lending Advisors to help walk you through the necessary steps to get you ready.
Still have questions?
Our Lending Advisors are here to help.
Schedule a Chat

You deserve growth.

We’ll focus on getting you funded at the best rates. You can get back to your business.
“Here to get you funded."
Eanna, Lending Advisor