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Small Business Loans and Merchant Financing for Retailers

Our small business financing options give you quick, easy access to money. Speak with us to find out which option is best for your business.

Retailers

Retailers
Industry
Retailers

Retailers Financing

Retail is known for the highs and lows in sales and the need to stay current to keep customers engaged.

Whether you need funds to build an e-commerce site, to add a second location, to increase your inventory or prepare for the busy season, our financing programs are here to help. Speak with an iCapital customer care representative to learn which financing option is best for your business.

Term Loan

The stress-free small business loan alternative
We give you the money you need today, and an agreed upon payment is remitted from your bank account until the loan is paid off.
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Merchant Cash Advance

THE FLEXIBLE SMALL BUSINESS LOAN ALTERNATIVE
We give you the money you need and you repay us over time through a small percentage of your daily credit and debit card sales.
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Am I eligible?

Yes, if you meet these four criteria:
  1. Cash Advance: $5,000+ in Visa, MasterCard and/or debit sales. Microloan: $100,000+ in annual sales.
  2. Your business has to be in operation for at least six months.
  3. No home businesses - You must have a storefront or professional office space and have at least 12 months remaining on your lease.
  4. No open bankruptcies - Bad credit isn’t a problem—many of our customers have less than perfect credit scores, but we cannot accept applicants with open bankruptcies.
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Am I eligible?

We only have four criteria:

  1. You must have annual gross sales of over $100,000 
  2. Your business has to be in operation for at least twelve months.
  3. No start-ups, construction, home businesses, online businesses, funeral homes, furniture or jewellery stores and cheque cashing businesses.
    You must have a storefront or professional office space.
  4. No open bankruptcies
    Bad credit isn’t a problem—many of our customers have less than perfect credit scores, but we cannot accept applicants with open bankruptcies.
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