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Funding for retail & convenience stores

Financing that keeps your shelves stocked and your doors open.

Owning a retail or convenience store is hands-on work. IOU Financial offers storefront loans and retail business loans that help support the everyday needs of your store, with flexible funding and a team that’s easy to work with when questions come up.

What we offer

Funding that fits your store.

Whether you are looking for ongoing support with day-to-day needs or one-time financing for a larger purchase, IOU Financial offers storefront loans and retail business loans designed to work for how your store operates.

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Term loans

Flexible financing for long-term growth. Get up to $1,500,000 with repayment terms between 6 months and 2 years. Choose a payment schedule that fits your practice’s cash flow and move quickly on expansion, upgrades, or staffing needs.

Business line of credit

On-demand access to working capital. Draw funds when you need them, repay, and reuse. Ideal for covering insurance reimbursement delays, payroll, supplies, or unexpected expenses without reapplying each time.

SBA bridge loan

Get the capital you need while your SBA loan is still pending. Use this short-term solution to keep projects moving, support staff, or manage tight cash flow. Repay once your SBA funds arrive.

Equipment financing

Finance essential store equipment without straining cash flow. From imaging tools to diagnostic equipment, finance the tools that power your practice. Spread costs over time with predictable payments that preserve your working capital.

Invoice factoring

Access the money you have already earned faster. Convert outstanding insurance claims and patient invoices into immediate working capital. Reduce reimbursement gaps and keep your practice running smoothly.

Tenant improvement bridge loan

Cover build-out and renovation costs while you prepare to open or expand your space. A tenant improvement bridge loan helps fund construction, equipment installation, and upfront expenses before long-term financing or lease reimbursements are finalized.

Expansion capital

Fuel growth when your store is ready to take the next step. Expansion capital helps cover the costs of opening a new location, hiring staff, increasing capacity, or entering new markets. Access flexible funding designed to support growth while maintaining steady cash flow.
Smart ways to put your funds to work

Practical funding solutions for retail and convenience stores.

Whether you are expanding your footprint, restocking inventory, or planning ahead for your next phase of growth, IOU Financial gives retail and convenience store owners the flexibility to put funds where they matter most.

Expansion

Open a new location, remodel your storefront, or expand selling space to better serve customers and support growing demand.

Equipment

Use retail and convenience store equipment loans to invest in refrigeration units, shelving, point-of-sale systems, or other equipment that keeps your store running smoothly.

Inventory

Stock shelves with the products your customers rely on, from everyday essentials to seasonal items, without putting added strain on cash flow.

Marketing and advertising

Promote your store with local advertising, digital campaigns, or in-store promotions that drive foot traffic and keep customers coming back.

Technology upgrades

Upgrade POS systems, inventory tracking tools, security systems, or other technology that helps your store operate more efficiently.

Working capital

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Qualifications

Who qualifies for an IOU business term loan?

Getting funding should not feel out of reach. If you run a business with steady revenue and at least a year in operation, you could be a great fit.

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1 year in business or more

We support practices that have established operations.

$10,000 or more in monthly revenue

A clear picture of monthly income helps us structure a loan that fits your store comfortably.

A personal credit score of 630 or higher

We work with retail and convenience store owners across a wide range of credit.

Get your funding, fast

Secure your retail or convenience store funding in 3 simple steps.

Accessing capital shouldn’t be complicated. IOU Financial makes it easy for medical practice owners to get the working capital they need—without slowing down operations. Our quick, guided process helps you move from application to approval in just a few days.

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Ready to accelerate your business?

Start your financing journey with a simple, transparent application process. We succeed when your business succeeds, which is why doing right by small business owners will always come first.

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