Business Financing for Retail & E-Commerce
Inventory funding, seasonal capital, and growth financing for retailers who need to buy product before they can sell it.
The daily grind that steals your time
These frustrations aren't just annoying—they're costing you money, clients, and peace of mind.
You need inventory capital before revenue comes in
Holiday inventory orders go in August. Spring collections ship in January. You're spending $100K+ on product months before the first sale.
Seasonal swings create cash crunches
Q4 does 40% of your revenue, but Q1 barely covers overhead. You need capital that understands retail cycles, not rigid monthly payments.
E-commerce growth costs add up fast
Ad spend, warehouse space, shipping accounts, platform fees — scaling an e-commerce brand requires capital in every direction at once.
Lease obligations don't flex with sales
Your landlord doesn't care that February was slow. Rent is due regardless. One bad quarter can cascade into a cash flow crisis.
What if you could eliminate all of this?
Real work, not just conversation
Breakwater doesn't just match you with lenders—we guide the entire process. Here's how we help your business.
Inventory Financing
Fund purchase orders and inventory buys with financing secured by the inventory itself. Stock up for peak season without draining cash.
Revenue-Based Financing
Repayments tied to daily or weekly sales. When revenue dips, payments dip. Perfect for retail's natural cycles.
Lines of Credit
Revolving credit you can draw on as needed. Use it for inventory, marketing, payroll, or any operational expense.
Seasonal Funding
Short-term capital specifically structured around your peak and off-peak seasons. Pay more when earning more.
E-Commerce Capital
Financing designed for online sellers. Integrate with Shopify, Amazon, or your platform for streamlined underwriting.
Working Capital
Bridge cash flow gaps between inventory purchases and sales revenue. Keep operations running through every season.
Custom capabilities can be configured for your specific workflow
“We needed $200K for holiday inventory in August, but our cash was tied up in summer stock. Breakwater matched us with an inventory lender in 3 days. Best Q4 we ever had — revenue up 35%.”
— E-Commerce Founder
Los Angeles, CA
Ready to transform your retail & e-commerce?
Book a free consultation. We'll assess your financing needs, show you your best options, and give you a clear path forward.
15-minute call · No commitment · See exactly what's possible