Industries /
Retail
The season belongs to whoever committed in August.
Inventory decisions come months before the revenue does. We work with operators who plan ahead and need a capital partner thinking the same way.
Retail cash flow has a rhythm. Buy in advance. Sell through the season. Manage the gap in between. The businesses that do this well are not always the ones with the most cash on hand.
They are the ones with access to capital at the right moment.
We work with brick-and-mortar retail, e-commerce operations, and specialty retailers. We know your strong season does not look like a strong year on paper until it is over.
We work with lenders who understand the cycle.
The situations retail business owners actually call us about.
These aren't edge cases. They happen in retail businesses every season. Mach works with store owners who are dealing with exactly these problems right now.
The fall season opens in September. The purchase order is due in July.
Retail suppliers require purchase orders 60–90 days before a selling season. The inventory you sell in October was committed in July. If you don't have the capital in July to place the order at supplier pricing, you either reduce your order (and leave revenue on the table) or buy at in-season prices that eliminate your margin.
What goes wrong without capital
A supplier has excess inventory at 40% off. It's gone in 72 hours.
Liquidation opportunities, end-of-line buys, and supplier overstock situations come and go fast. A 40% discount on inventory you would have bought at full price anyway is significant margin recovery — but only if you have capital ready to deploy in 72 hours or less. Banks don't move in 72 hours.
What goes wrong without capital
The second location is ready. It needs inventory before it can sell anything.
Opening a second location requires full initial inventory, display fixtures, staffing, and operating capital before the first customer walks in. None of that generates revenue until the doors open. The first location can't fund the second one and stay fully stocked at the same time.
What goes wrong without capital
January through March, revenue drops 40%. Fixed costs don't.
Post-holiday retail is the hardest stretch of the year for most store operators. You've cleared holiday inventory, the next season's buying cycle hasn't yielded revenue yet, and you're running the full fixed cost base — rent, staff, utilities — on substantially reduced traffic.
What goes wrong without capital
From the people we work with.
"I wasn't sure at first if this was possible or real but Noah assured me it could be done. I needed money to win a project and fast.I had to get the funds or I would lose the contract within 24 hours... Noah had me send over the documents needed to achieve the funds, Allan worked his magic, and was able to get me approved for more than what i needed! I only took what i needed now but it feels good to know that if anything changes I have access to more funds very quickly. Thank you Noah and Allan!"
"Tony Bode is excellent at his job. He is very knowledgeable and went above and beyond to offer multiple options to best fit our business needs. I would highly recommend dealing with him if business funding needs arise for your business as they did for my business. Thank you again Tony and MACH funding."
"I found out about Mach Funding about a month ago, I applied but was not approved. But the process went exactly how Kelly explained it to me. Easy process and honest people to do business with. No gimmicks a very straight forward process. Thank you to Kelly for explaining how the product works and giving me the website to apply. I will be letting my colleagues and business partners know about Mach Funding."
"I have worked with Tony from Mach. He has always gotten back to me quickly and been able to secure funds within 24 to 48 hours. I will continue to use them for my capital needs."
"I want to take the time to thanks for extraordinary customer service provided by Mac Funding team: Michael Rodriguez, Tony Bode and Azi Sharbani. Thank you for taking the time for explaining every aspect of the loan offers and obtain the best loan that fit my financial circumstance. Thank you. Thank you, and Thank you."
The questions business owners actually ask. Straight answers.
No. Seasonal retail revenue is well understood by the lenders in our network who work with store operators. Your advisor looks at your annual revenue profile, not just the slow months.
Yes — that's one of the most common use cases in retail. The repayment is structured to align with the selling season the inventory supports.
Yes, in many cases. Many clients fund in 24–48 hours from a completed application. If you have a specific deadline, lead with that on the qualification call — your advisor sizes the timeline to the opportunity.
At minimum: 2+ years on the first location, consistent annual revenue, and a clear picture of the second location's cost and timeline. Whether it's working capital or SBA depends on the scale and your credit profile. The qualification call is 15 minutes.
Slower revenue means smaller daily payments — the repayment percentage stays fixed, so the absolute amount adjusts with your volume. Your advisor explains the structure in plain language before anything is signed.
Annual revenue, business history, and the nature of the seasonal pattern. A retail business that does $400K in Q4 and $100K the rest of the year is a known pattern — not a risk flag. The lenders we work with understand it.
Find out what you qualify for. Five minutes.
No credit pull. No bank statements at this stage. Your advisor reviews your situation and tells you honestly whether Mach can help before you commit to anything.
