A store's fixtures, point-of-sale system and displays decide how it looks and how quickly shoppers check out. Here is how to finance them.
Apply Now →Inventory is the product on the shelves. Equipment is everything that holds it, shows it and sells it: shelving, racks, lighting, display cases, fitting rooms, security cameras, a point-of-sale system, a stockroom setup.
Equipment financing is generally built around buying a specific asset. How a deal is structured depends on the offer, and its paperwork should be read carefully before accepting.
| Project | Typical equipment | Why it matters |
|---|---|---|
| New store opening | Fixtures, POS, signage, lighting | The store cannot trade without it |
| Refresh | Displays, shelving, lighting | Keeps the store competitive |
| Checkout upgrade | POS terminals, scanners, receipt systems | Speeds up the line |
| Second location | Everything above, again | Multiplies the cost |
Our range starts at $25,000. A single display case may cost less, but an opening or a refit usually reaches that number once you add up fixtures, lighting, POS and installation. Planning the project as a whole and requesting funds once is typically simpler than buying piece by piece.
The basics on our side: amounts from $25,000 up to $5,000,000, funded in as little as 24 hours once things are in order. We consider FICO 500 and up, review roughly three months of business bank statements, and do not ask for tax returns. You can start the 5-minute application with a soft credit pull, and sole proprietors are welcome.
An independent boutique is moving to a larger storefront. Fit-out, fixtures, lighting and a new checkout system come to about $65,000. The extra floor space is meant to carry more stock and more shoppers. The numbers are round and illustrative only, not a quote or a statement about any offer.
For a quick review, have about three months of business bank statements, quotes from your fixture or POS vendor and a short note on the project. The application takes about 5 minutes, uses a soft credit pull and needs no tax returns. Sole proprietors can apply.
A fit-out is only worth financing if you will be in the space long enough to benefit. Read the lease term and any renewal option before committing. If you will be leaving fixtures behind, check what happens to them. If a landlord contributes toward improvements, factor that in before deciding how much to request.
Shoppers decide quickly at the register. A slow or unreliable point-of-sale system loses sales and annoys regulars, especially at busy times. When you budget a refit, treat checkout hardware and software as a core part of the project, not an add-on. Ask the vendor about support, updates and what happens if the system goes down during a busy day.
Ask when you apply and confirm the specifics in your offer.
Ownership of the property is not what we review. We look at business bank statements.
It uses a soft credit pull.
No.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
