Business loans for retail
You need to buy the stock before you know if it'll sell.
Finance for Australian retailers who live at the intersection of inventory risk, seasonal cash flow, and supplier payment terms that don't flex.
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2 minutes · No credit check · Free
Overview
Why retail businesses choose Avoir
Retail is a game of timing you never fully control. Your supplier wants payment in 30 days. Your Christmas stock needs to be ordered in September. Your January sale will clear inventory but at margins that barely cover the cost of running the store. Meanwhile your lease, your payroll, and your POS subscription all hit on the 1st regardless of whether the last quarter traded the way you hoped. Avoir connects Australian retail businesses to lenders who understand inventory cycles, seasonal working capital needs, and the gap between when you spend money and when customers walk in the door.
Banks lend against history. Retail requires capital ahead of the revenue it generates — you buy inventory before you sell it, you staff up before the peak, you sign leases on new locations before you know what they'll turn over. That forward-facing capital requirement is exactly what business finance is designed for, and exactly what traditional bank lending rarely accommodates quickly enough. Lenders in Avoir's network assess retail businesses on their revenue trajectory, stock turn patterns, and trading history — not just a six-month bank statement average. Whether you're a single-location independent retailer or a multi-site operation managing seasonal inventory across categories, a specialist will match you to the right option.
Key features
Inventory finance
Fund your next inventory order before the revenue from your last one hits — a common challenge for growing retailers.
Seasonal cash flow
Bridge the gap between your slow months and peak trading periods without disrupting operations.
Fast and flexible
Same-day decisions, funds within 24 hours, and repayment terms that align with your trading cycle.
Online and bricks-and-mortar
Our lending network covers both physical retail stores and e-commerce businesses.
Eligibility
Do I qualify?
Retail businesses with 12+ months of trading history are typically eligible to apply. Seasonal revenue patterns — strong Christmas quarters followed by quiet Januaries — are understood and accommodated. A specialist will review your situation.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. No credit check, no documents required at this stage.
We match your profile
Your enquiry is assessed and matched to the most suitable lending partners in our network based on your business profile, loan amount, and purpose.
Receive your offer
A specialist contacts you within 2 hours with tailored options. They will walk you through available terms and answer any questions.
Funds in your account
Once you accept an offer and provide the lender's required documentation, funds are typically transferred within 24 hours.
FAQ
Common questions
Everything you need to know about getting a business loan. Can't find the answer you're looking for? Apply and a specialist will answer your questions directly.
Apply now →Can online retail businesses apply?
Yes. E-commerce businesses with an active ABN and 12+ months trading history are eligible to apply.
Can I use a business loan to buy inventory?
Yes. Inventory purchase is one of the most common uses for retail business loans in our network.
Do retail businesses need collateral?
No. Unsecured retail business loans are available up to $500,000 based on your revenue and trading history.
What is the minimum revenue for a retail business loan?
Most lenders require a minimum revenue of $10,000 per month.
Ready to apply?
Don't miss the order window because the capital isn't there yet.
Two minutes to apply. No credit check. A specialist will be in touch within two hours.
NO COLLATERAL
NO CREDIT CHECK
2 MIN APPLICATION