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Growth Finance for Retail Businesses
Store expansion, inventory funding and POS-linked credit for single stores, chains and franchise operators.
How We Serve the Retail Sector
Retail growth is capex plus stock: every new store demands fit-outs, deposits and opening inventory months before it breaks even, while existing stores tie capital into seasonal stocking.
LOANYARD CAPITAL funds store rollouts, structures inventory limits around seasonal cycles, and arranges POS/card-swipe-linked credit that repays from daily settlements — for independent retailers, chains and franchisees of national brands.
Funding Challenges We Solve
Case Study
Apparel franchise operator (6 stores), Coimbatore
₹4 Crore — 3 new stores
The Challenge
A profitable franchisee of a national apparel brand had approvals for three new locations but needed ₹4 Cr for fit-outs, deposits and stock — with all capital already deployed in running stores.
Our Solution
We combined a ₹2.4 Cr term loan against one owned store property, ₹1 Cr unsecured business loan on the six-store cash flow track, and enhanced inventory limits with festive peaks.
Business Impact
- All three stores opened within one season
- Portfolio revenue up 55%; payback ahead of plan
- Brand offered two more territories on execution strength