Business Loans for Clothing & Boutique Fashion Stores

Get £3k to £300k in 24 hours*

  • Pay back through future card sales
  • Unsecured – there’s no worry
  • Same day business funding
Apply Now

Quick Decision with No Obligation

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Supporting British Businesses

Business finance that's on-trend

We've helped many larger fashion outlets to smaller independent boutique designer and casual clothing stores get the flexible funding they need to purchase stock, employ new staff or launch an online e-commerce store. Grow your business with confidence.

Works with your existing PDQ card machine

Works with your card sales

Unlock funding from £3,000 up to £300,000 against your customer card sales.

Flexible repayments - repay when you sell

Flexible repayments

Automatically repay a small percentage when customers purchase by card – There are no fixed payments.

Unsecured finance - No asset security required

No asset security required

The advance is unsecured, so your business assets are safe.

Keep 100% of cash transactions

Fast funding

A quick decision and process mean you can access your money in just 24 hours* after approval.

No hidden costs

No hidden costs

The cost of the finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.

Apply online 24 hours a day 7 days a week

Apply online 24/7

Apply at any time - We can process your application 24 hours a day.

Apply Now

Quick Decision with No Obligation

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Advance your clothing store

The apparel and footwear market in the United Kingdom is growing steadily every year. With approximately 12,215 stores specialising in the retail of clothing, the market revenue is expected to reach £57.84 billion in 2022.

In 2020, many high street retail businesses in England, Wales, Scotland and Northern Ireland had to close their doors as the government imposed a national lockdown on 'non-essential' businesses to keep coronavirus (COVID-19) under control.

As the pandemic continues, it has dramatically changed the way people shop. With the closures of high street clothing stores unpredictable, business owners have had to adapt quickly and move their trade online. It has been a challenging year, but the good news is that we can support you through these difficult times.

A clothes & fashion business cash advance is a flexible and easy way to raise funding for your business. It's different from a traditional business bank loan as it works with your customer card sales either through your handheld PDQ machine or online store. You can borrow from £3000 up to a maximum of £300,000, and you simply pay back the advance via an agreed percentage of your future card takings.

So, if you're a small shop selling fashionable clothes, shoes or accessories and accept card payments from customers, we can help. Apply online or give our friendly team a call to get your FREE no-obligation quote.

Apply Now

Quick Decision with No Obligation

Business Loans for Clothing Shops - Customer shopping in local clothing and shoe store

Clothing store business loan for any purpose, such as:

  • Buying the latest fashionable clothes and accessories in bulk or purchasing seasonal goods such as swimwear
  • Help support short term cash-flow problems
  • Pay your tax bill on time
  • New retail equipment, garment racks, clothes rails, mannequins and other shopfitting supplies
  • Point of sale (POS) displays or new signage
  • Open an online shop and expand your sales reach globally
  • Marketing and advertising budget to increase footfall
  • Training and recruiting new staff and shop workers
  • Emergency maintenance and repairs

As the funding is based on card sales, the amount you can borrow will depend on your average monthly card turnover. For example, if your clothes store turns over £10,000 a month via customer card sales, you could borrow up to 100% of that amount, so £10,000. It is possible to get advanced up to 150% of your average monthly cards takings.

Repayments are simple. You will agree on a small percentage of your daily credit and debit card takings that you will repay daily until the amount repaid in full. So you only repay when your customers purchase from you using their card via your PDQ machine. Cash sales are not taken into account.

It's flexible and unsecured, meaning if your clothes and fashion store has a slow week, you back less. If you have a great week, you'll pay it back quickly as more sales will be going through your card machine. There are absolutely no fixed monthly terms. It simply works alongside your business performance.

Getting a business loan for your clothes store is fast. On average, approval can take a few hours, and funding into your account can take up to 5 days.

We help all types of clothing stores that operate either on the high street or online, including:

  • Designer & Boutiques
  • Outdoor, Sports & Active Wear
  • Men's Suits & Formalwear Specialists
  • Baby & Children's Clothing Shop
  • Wedding Dress Shops
  • Shoes & Footwear
  • Vintage & Retro Fashion
  • Second Hand Clothing Stalls
  • School Uniform Specialists
  • Alternative Clothing Store
  • Workwear

The qualifying criteria are basic, and providers only require that your business:

  • Is a sole trader or limited business based in the UK
  • Accepts card payments over £3k per month (in-store or online)
  • Has been trading for at least 3 months

Yes, you can get a business loan to help fund or launch your own clothing line. You can use the funding for any purpose, such as design, printing, embroidery, stock purchase, manufacturing and much more!

Apply Now

Quick Decision with No Obligation

Funding Britains Small Businessses

"We have helped many small clothing stores across the UK receive funding to grow"

£20+ Million
Total Funded to Businesses

Application Approval Rate

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It's as easy as 1-2-3!

The process is fast, simple and straightforward. It's hassle-free, meaning there's no complicated paperwork to complete so you can focus on growing your business.

Step 1 - Apply online in minutes


Apply online in minutes

Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.

Step 2 - Get funded in 24 hours


Get funded in 24 hours*

The merchant cash advance can be with you in as little as 24 hours* after approval.

Step 3 - Pay back only when you sell to your customers


Repay only when you sell

You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.

Apply Now

Quick Decision with No Obligation

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