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Flexible capital funding for local grocery stores

IT Retail Capital provides small-business funding for neighborhood grocery stores to manage cash flow and plan for the future. With no credit check and flexible repayment plans that adjust based on sales, you can focus more on your goals and stress less.

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Funds for any use

Fuel your next big idea by using your capital to invest in new hardware, like deli scales and electronic shelf labelling, or with cash flow for inventory, payroll, marketing, or expanding to new locations.

Fixed repayments 

Repay your loan based on a fixed percentage of sales, meaning you pay less during seasonal lows and a little more when business is booming.

Next-day funding

Once approved, your funds will hit your bank account as soon as the next business day. Your business moves back, so we give you access to capital – fast.

IT Retail Capital

Fuel your growth.
Manage cash flow.
Invest in the future.

IT Retail Capital, in partnership with Parafin, a U.S.-based financial technology company that provides access to growth capital, offers small businesses tailored funding solutions based on sales history. If approved, access a portion or all of your pre-approved offer to accomplish your business goals.

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Pre-approved offers based on previous sales history

IT Retail Capital makes small business funding simple by providing a custom pre-approved capital offer to fuel eligible businesses. No credit check, collateral, or ongoing interest.

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No-fuss, automatic repayment

Adding Capital shouldn't also add stress. With IT Retail Capital, invest in your business and a fixed percentage of your daily sales automatically goes towards repaying it.

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IT Retail flexible business loans

How IT Retail Capital flexible funding works

If eligible, our team pre-approves your business to create a tailored, flex loan offer without the hassle of a lengthy application.

1

Pre-approved eligibility

Check your inbox or POS portal for notification of your eligibility for IT Retail Capital pre-approved offers.

2

Streamlined application

Custom loan amounts are pre-approved based on sales history. Plus, no credit checks.

3

Fixed fees

All loans come with no interest and no late fees. Simple as that.

4
Flexible repayments

Whether business is booming or sales hit a seasonal slow, payments flex based on a percentage of sales.

FAQs: IT Retail Capital

Why is IT Retail giving access to capital?

We believe that our merchants should have easier access to capital to grow their businesses. With IT Retail Capital, we hope to enable you to run your business all from one place, with a fast, trusted way to unlock and power your growth potential. 

Which financial institution provides the funding for IT Retail Capital?

IT Retail has partnered with Parafin to give access to funds to IT Retail users. Parafin is a financial technology company focused on supporting businesses. To power Flex Loans, Parafin partners with Celtic Bank, a financial institution.

Who is eligible for IT Retail Capital?

Eligibility is based on your business performance on the IT Retail platform. We perform regular checks to determine if your business is eligible. Once eligible, an IT Retail Capital funding pre-approved offer will become available to you automatically, and you’ll be notified via email.



How are pre-approved offers determined?

Parafin’s eligibility criteria include multiple business performance factors in order to determine the best pre-approved offer available to your business. Increasing your sales and maintaining consistent sales over time will help increase your chances of getting a pre-approved offer.