Stock more. Sell more.
Inventory financing, build-outs and working capital for storefronts across Easton, the Short North, Polaris and the Grandview Heights corridor.
Columbus retail clusters across distinct districts - boutique-heavy in Short North and German Village, the Easton Town Center and Polaris Fashion Place large-format corridors, Grandview Yard mixed-use, neighborhood retail along High Street and Broad Street, and the legacy independent storefronts along Parsons and Livingston Avenues. Each district has different rent levels, foot-traffic patterns and customer demographics, which means different cash-flow profiles and different best-fit financing.
Inventory-heavy retailers (apparel, gift, specialty grocery, furniture) benefit most from revolving lines of credit that flex with seasonal buying cycles - pay down after holiday sell-through, draw up before the next buy. Service-flavored retail (salons, fitness, repair) lean more on SBA-backed build-out and equipment financing. Specialty high-margin retail (jewelry, art, high-end electronics) can sometimes pledge inventory as collateral for asset-based lines at attractive pricing.
Acquisition financing matters in Columbus retail because established locations in Short North and German Village rarely come up on the open market. SBA 7(a) handles those acquisitions when they happen - buying an existing retailer with goodwill and inventory rather than building from scratch in an unproven location. Whitfield Credit has routed financing for boutique handoffs, family-business successions and franchise unit acquisitions across the districts.
Every option starts with a soft credit pull. Pre-screen takes 60 seconds.
Inventory & storefront capital
Stock up for the season, open a second location, or refresh your Columbus storefront with capital sized to retail cash flow cycles.
Draw what you need, when you need it
Revolving capital sized to your inventory turn — only pay interest on what you draw.
Fast capital against future sales
An advance against future card and platform revenue, funded fast and repaid as a small percentage of daily sales.
One application, every product
Compare term loans, lines of credit, equipment and merchant cash advance through one soft-pull application.
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