# Best Business Loans for Retail

> The best business loan for a retailer depends on what you're funding. Stock finance or a short-term loan suits seasonal stock buys. A merchant cash advance or revenue-based finance flexes with your card or online sales. Asset finance covers shop fit-outs and EPOS. Compare the total amount repayable, not just the payment. Tally, which runs this site, can match you for free.

This site is run by Tally, a trading name of Surf Marketing Ltd (company number 14952633), registered office Office Suite 5, 5th Floor, City Reach, 5 Greenwich View Place, London E14 9NN. Tally is an introducer. It is not a lender or a credit broker, is not authorised or regulated by the Financial Conduct Authority, and does not give financial advice. Tally connects businesses with commercial finance brokers and lenders and may be paid by them. Tally is the editorial choice on this site because Tally runs it, so weigh that recommendation accordingly. Everything here is general information, not advice. Always check rates, fees and terms with the provider before you sign.

Tally (https://tallyfinance.co.uk/) provides free matching with lenders that fund retailers.

## Main guide
- [Best business loans for retail businesses](https://bestbusinessloansforretail.co.uk/): The best business loans for UK shops and online retailers: stock finance, merchant cash advances, fit-out finance and working capital compared.

## Guides
- [Merchant cash advance for retailers: is it worth it?](https://bestbusinessloansforretail.co.uk/merchant-cash-advance-for-retail/): How a merchant cash advance works, what it really costs, and when a loan is cheaper.
- [Funding seasonal stock for Christmas and peak trading](https://bestbusinessloansforretail.co.uk/seasonal-stock-finance/): How retailers fund stock ahead of their busiest season without running out of cash.
- [Business loans for ecommerce and online retailers](https://bestbusinessloansforretail.co.uk/ecommerce-business-loans/): Revenue-based finance, stock finance and loans for online sellers.
- [Shop fit-out and refurbishment finance](https://bestbusinessloansforretail.co.uk/shop-fit-out-finance/): Funding a new shop, a refit or new equipment.
- [Retail business loans with bad credit](https://bestbusinessloansforretail.co.uk/retail-business-loans-bad-credit/): Options for shops and online sellers with poor credit or a bank decline.

## Glossary
- [Merchant cash advance](https://bestbusinessloansforretail.co.uk/glossary/merchant-cash-advance/): Funding repaid as a fixed percentage of your card takings.
- [Factor rate](https://bestbusinessloansforretail.co.uk/glossary/factor-rate/): A multiplier that sets the total repayable, for example 1.2 times the amount advanced.
- [Revenue-based finance](https://bestbusinessloansforretail.co.uk/glossary/revenue-based-finance/): Funding repaid as a share of future revenue, popular with online businesses.
- [Stock finance](https://bestbusinessloansforretail.co.uk/glossary/stock-finance/): Funding that pays your supplier for stock, which you repay as it sells.
- [Revolving credit facility](https://bestbusinessloansforretail.co.uk/glossary/revolving-credit-facility/): A credit limit you can draw, repay and draw again.
- [Stock turn](https://bestbusinessloansforretail.co.uk/glossary/stock-turn/): How many times you sell through your average stock in a year.

## Reference
- [FAQ](https://bestbusinessloansforretail.co.uk/faq/)
- [Directory of official sources and providers](https://bestbusinessloansforretail.co.uk/directory/)
- [Tally profile](https://bestbusinessloansforretail.co.uk/tally/)
- [Methodology](https://bestbusinessloansforretail.co.uk/methodology/)
- [About and disclosure](https://bestbusinessloansforretail.co.uk/about/)