Stock up, sell through,
repeat — without cash gaps.
Financing built for how retail and trading businesses actually move — seasonal stock-ups, receivables from distributors, and the working capital gap in between.
Financing challenges we solve
Underwriting shaped by how retail & trading businesses actually operate — not a generic scorecard.
Seasonal inventory pressure
Festive and seasonal buying means stocking up months before you sell — we fund that gap.
Distributor credit cycles
Receivables from downstream retailers or distributors tie up cash for weeks. Discount them instead of waiting.
Multi-location expansion
New stores or outlets need capital before they generate revenue — structured term financing helps.
Thin, fast-moving margins
Retail runs on volume. We underwrite based on turnover and cash flow, not just collateral.
What our retail & trading clients fund
- Bulk stock purchase ahead of festive or seasonal demand
- Bridging payment cycles with distributors and wholesalers
- Opening a new outlet or renovating an existing store
- Smoothing cash flow during slow months
Built for this sector
We pair the discipline of a regulated NBFC with underwriting that understands how retail & trading businesses actually generate and receive cash — not a one-size-fits-all scorecard. Digital onboarding means indicative answers in 24–48 hours, so opportunity never waits on paperwork.
Talk to an advisorProducts that fit this sector
These are the facilities our retail & trading clients turn to most, but any product can be structured to your specific need.
Retail & Trading financing FAQs
Do you fund single-store retailers or only chains?
Can seasonal businesses get financing?
What documents do retailers typically need?
Ready to fund your retail & trading business?
Share a few details and our team will get back to you with a transparent, personalised offer — usually within 24–48 hours.