First Financial  
Business Loans for Retail Industry

Business Loans for Retail Industry

Best Business Loans for the Retail Industry

Highly-Rated First Financial is Perfect for Retail Owners

In the past few years, changes have hit the retail industry relentlessly. The smartphone shopping that’s devastating bricks-and-mortar shops could be replaced by autonomous vehicle delivery of goods over the next 10 years. Consumers may even shop from screens in the autonomous vehicles that ferry them to work. Staying current requires capital investment. First Financial makes it easier than ever for retail owners to get the business loans they need to upgrade their sales, marketing and delivery processes. Apply today!

Request More InformationIt all starts with your information request. Since every situation is unique, we make sure to directly focus on and understand our customer’s individual needs. After submitting your request, within 24 hours we will reach out to you to discuss your business loan options. Since 1996, our loans have helped more than 50,000 businesses stay current with what they want from a business lender.

First Financial rewards those retailers with proven stability, including a solid management team and a record of producing profits year after year. Take advantage of our low rates and excellent terms. We’ve fueled tens of thousands of retail businesses, and we’re ready to help yours meet the challenges of the digital age!

Business Loan Advantages for Retailers

If your retail business is a proven success, First Financial can lower your business loan costs.  You won’t find more robust business loan perks at any other lender:

  • Term loan rates that start at a low 5.99% annual interest rate (AIR).
  • Flexible lines of credit that with a starter 13.99% annual percentage rate (APR)
  • Money transferred to your account in one business day
  • Many applicants are approved either instantly, or within one day
  • Simple and secure account management
  • Quick application process (7-minute average completion time)
  • Low documents needed – basic business information and three months of bank statements
  • Loan specialists available by phone and email from 8:00 a.m. until 9:00 p.m.
  • Phone applications with expert loan advisors
  • Improved credit scores with timely payments
  • Your personal information is guaranteed to be secure with our proven privacy policy.

Does Your Retail Business Meet Our Qualifications?

We are pleased to offer low-rate loans to those retailers that meet certain requirements. We are happy to help clients who have had a previous bank reject their loan application. Over the years, First Financial has provided business loans to tens of thousands of businesses. You can then use this capital to keep your retail business competitive and thriving.

Our approved applicants meet these requirements:

  • Doing business in an approved industry – while First Financial has approved businesses in hundreds of different categories, we have to say “no” to businesses in industries that are new (Cannabis, digital marketing), have high chargebacks or other unpredictable qualities. Review a complete list of the restricted industries LINK for which First Financial cannot provide business loans.
  • No bankruptcy in last 2 years
  • One or more years in business minimum (average borrower has been in business 6 years)
  • Consistent cash flow
  • Minimum FICO score of 500 (average customer has a 680 score)
  • Based in US, Canada or Australia
  • $100,000 in gross annual revenue (average borrower does $500k)

To see if you qualify for a First Financial small business loan, apply via our application here. This “soft” inquiry won’t hurt your credit score. Should your file be restricted due to bankruptcy or other financial issue, we will contact you to lift the restriction and then perform a hard pull. The hard pull will impact your credit score. We will let know right away if your credit file is restricted and will not proceed without your permission.

Evaluating the Future of your Retail Operation

Get Insights from Research

With consumer confidence rising, retail can look forward to a positive near future. An economic forecast from Kiplinger’s reveals that retail sales are expected to rise 4.1% for 2017, beating 2016’s 3.8%. Electronic retail stores and specialty shops showed especially excellent overall sales.[i]

As for the future trends to look for within the retail industry, customers now expect a lot from their retail shopping experience. According to Vend’s 2017 Retail Trends and Predictions Report, shoppers now demand transparency, personalized service, up-to-date mobile payment options, and a truly special and unique in-store shopping experience.  The same study found that smaller, boutique-type retailers are also expected to fare well with today’s discerning customer.[ii]

Creating an online version of a retail store means an ecommerce website, merchant services and shipping. This and the other demands consumers make on retailers today often mean capital infusion. Most travel their entire business life with one or more loans. Trust First Financial to meet your business loan needs with integrity.

A+ Rated First Financial Business Loans for Retailers

An online lender, First Financial eliminates the need for face-to-face meetings with bankers. All of our applications, notices and statements are done entirely online, and can be viewed on the web from any device. The challenges of running a retail operation take every moment of a business owner’s time. At First Financial, every step is a stress-free and convenient. Apply today!



First Financial

First Financial ® Corporate Headquarters 2850 Womble Road Suite 100-604 San Diego, CA 92106

Client Service Center: Main: 1-800-315-7791 Fax: 1-800-215-0217 (Monday–Friday 5:00am–6:00pm Pacific or 8:00am–9:00pm Eastern)

Merchant Services / High Risk Merchant Accounts: 1-800-950-0212 Fax: 1-800-215-0217


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