Retail Financing for Merchants

               More Merchants choose SSF for their                                                                 retail financing


Owning a store means not only being responsible for the needs of your business, but also the needs of the people who depend on you as a fixture of the community. Keeping your business running comes with challenges, and financing should not be one of them.  Maybe you’ve applied for a small business loan and have been turned down, or you can’t afford to wait several weeks for a bank loan.  A merchant cash advance from SSF is the solution for you!

When you get an answer from us, you know it’s valid and that the funds will arrive in a short period of time.

What SSF can do for your store

Keeping your shelves stocked isn’t always easy, and your store’s need may change wildly based on inventory, changes in sales tax, or seasonally. One problem with a traditional bank loan is its inflexibility. When applying for a loan you may have to outline exactly how you intend to spend it, and banks’ strict payment deadlines don’t allow you to hold on to capital for uses you can’t anticipate. We don’t have the same restrictions when we provide retail financing. Here are just a few things you can use one of SSF’s small business loan alternatives for: offering new products, restocking your inventory, POS, inventory management, or other equipment, insurance, salaries, expanding your advertising, buying out a partner, taxes, repairs, renovations, and expansion, opening a new location, etc.

Fast and simple with minimum documentation required

Most of our stores receive a pre-qualification from us within hours of submitting the 1-page application, and actually receive the money in their business bank account within days. The process for obtaining a traditional small business loan from a bank could take several months. Learn how our cash advance underwriting process works!

We are not a bank, so we don’t require a lot of documentation. For example, unlike for traditional bank loans, you do not have to provide tax returns, financial statements, or physical collateral in order to obtain a business cash advance. We have a simple one-page application and may only require 4 months of credit card processing statements and 2 months of bank statements.

Personal credit isn't a problem and no payment schedules

We take many factors into consideration through our proprietary underwriting process, and we have funded thousands of merchants who have low credit scores. Business loans often require a minimum FICO or credit score.


A business cash advance isn’t a traditional loan. The advance is paid back as a percentage of your sales. When business picks up, you pay back more and when business slows, you pay back less.