Retail Business Loans - Finance for Retail Businesses - Fleximize

Retail Business Loans

Unlock your growth potential today with a fast, flexible retail business loan from Fleximize

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Funding in as little as 24 hours Funding in as little as 24 hours
Borrow £10,000 to £500,000 Borrow £10,000 to £500,000
Repay early, repay less Repay early, repay less
1st class customer support 1st class customer support

Finance for retail businesses

The UK retail sector is worth a whopping £462bn, accounting for one-third of consumer spending in the UK alone. Over a fifth of e-commerce sales made up overall retail sales in 2023, so it’s no surprise we’ve seen a growth in the number of online retailers over the last decade.

The market has been riding a wave of uncertainty since the pandemic, with concerns over interest rates and the broader economic environment playing a huge factor in slowing the growth of British retailers. We’re here to help SMEs like you secure the funding you need to regain confidence and achieve your business goals. Read on to learn more about retail finance, what it can be used for, and how to get it.

Funding in as little as 24 hours Funding in as little as 24 hours
Borrow £10,000 to £500,000 Borrow £10,000 to £500,000
Repay early, repay less Repay early, repay less
1st class customer support 1st class customer support

What is a retail business loan?

A retail business loan can help you hit targets across a number of areas within your business. Whether you need to purchase more stock, launch a marketing campaign, or expand premises, we understand you need a pool of funds available, and a business loan is the perfect solution for this.

To save you from waiting weeks for your loan application to be approved by a traditional lender, we’ve looked at what SME retailers like you need to achieve their goals. That’s why we offer the fast, flexible funding you need to take your business to the next level - we’re so committed to Flex-ibility, it’s in our name! With our aim to deposit funds to SMEs in as little as 24 hours, you could join millions of retailers on their growth journey with us by applying in just a few steps.

Funding for Retail Businesses
Looking for funding? Let's talk.

If you want to know more about how we can support your business, give our friendly team a call and you'll get straight through to someone who can help, like Abi. Or, if you're ready to apply, get started by clicking the button below.

Retail business loans from Fleximize: Are they secured?

A small retail business loan from Fleximize is the perfect form of finance for retailers like you. Our loan options, the Flexiloan and Flexiloan Lite, offer the speed and flexibility you need as an SME operating in the retail industry and come with the option of being secured or unsecured.

Our team will review your application and assess which option suits your business best. We tend to give your business a choice of either in our letter, with the secured offer coming with a greater loan amount.

Want to dive deep into our products? You can discover more on our services page, but we’ve hand-picked some key features of our funding options below:

Rest assured, we consider far more than your company's credit history during our decision-making process, which means you can apply with confidence. You’ll be assigned a dedicated relationship manager who will work closely with you to create a retail finance package tailored to your business’s needs.

What can a retail business loan be used for?

We understand that you have goals in many areas of your business as a retailer, but reaching them can sometimes be challenging due to the industry’s constant changes. Having a cash buffer can give you the flexibility to react to these changes and transform them into opportunities for your business.

If you expect an increase in sales, you could use retail finance to reach your desired inventory levels and maximise profit.

Looking to hire fresh talent? A retail business loan could fuel your recruitment process.

Is your website performing as well as it should, and could it use a revamp? With retail finance, you can make all the necessary changes to your website and business to make it thrive.

You can use our funding to purchase premises for your retail business. Check out our £250K and £500K pages for more information on fueling the purchase of a commercial property.

From bridging a gap in cash flow to paying unexpected VAT bills, we’ve stated only a few reasons why retailers like you seek funding. So, wherever your business journey takes you, a retail business loan can support the path to get you there.

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Check your eligibility for a retail business loan

We don’t have the same strict lending criteria as banks and want to say “yes” to as many SME retailers as possible. So, even if your credit score is a little below par, remember that it’s not the only factor we’ll consider when reviewing your application.

How much do retail business loans cost?

The interest rates on our loans start from just 0.9%, but you can use our business loans calculator to get an idea of your repayments.

The overall cost will depend on your unique situation because your finance package will be tailored to the needs of your business. Under our Penalty-Free Promise, you can repay early to save on interest without incurring additional fees - we don’t penalise you for growing fast.

We assure you that there’ll be no hidden fees or nasty surprises as your dedicated relationship manager will inform you of your loan terms from the beginning. To start your journey today and receive a tailored quote, speak to a friendly member of our team on 020 7100 0110.

Our Flexiloan product is available to businesses trading for at least 12 months over a 12-48 month term.

Interest
£8,460.08
Total Repayment Amount
£58,460.08
Monthly Repayment
£3,247.78

Our Penalty-Free Promise means you won’t be charged extra for repaying early.

Find out just how much you could save through early settlement by adjusting the month of repayment in this section.

Your Loan Quote Summary
Full Settlement At
Total Repayable at Agreed Term £58,460.08
Total Repayable if Repaid Early £56,122.84
Interest Saving £2,337.25

Our Flexiloan Lite product is available to businesses trading for at least 6 months over a 3-12 month term.

Interest
£3,472.16
Total Repayment Amount
£33,472.16
Monthly Repayment
£4,184.02

Fleximize is committed to its penalty-free promise for customers repaying early.

Find out just how much you could save through early settlement by adjusting the month of repayment in this section.

Your Loan Quote Summary
Full Settlement At
Total Repayable at Agreed Term £33,472.16
Total Repayable if Repaid Early £32,476.26
Interest Saving £995.90

How to apply for a retail business loan with Fleximize

Applying for retail finance with Fleximize couldn't be simpler. Just pop the kettle on and fill out our short online form with a few basic details.

If your business passes our initial checks, we'll be in touch to take you through the final steps. We recommend being completely upfront with us from the start of your journey so we can get your application through quickly. Once we have everything we need, your application could be approved and funded on the same day. How’s that for speed?

Why choose Fleximize as your retail finance provider?

We’ve lent hundreds of millions to thousands of businesses across the UK, and we’re not stopping here. We strive to help SMEs like you get the funding you need to thrive, so here’s what you can expect when you apply for retail finance with us:

And that’s it. Get in touch today for a tailored quote and join thousands of retailers on their journey with us.

Get started: Apply now