From Store Fit-Outs to Seasonal Stock: Bright Finance Solutions for Retail Success

We've created this guide to provide an overview of how we support Retail businesses, from funding ambitious growth visions to bridging seasonal cash-flow gaps.

Premises Refurbishments, Store Improvements & New Store Fit-outs

• Renovations, refits, refurbishments – elevating your brand with premium, secure and modern store environments.
• Expansion - extending your current store.
• New branch openings – expanding into new locations to grow customer reach.
• CCTV / HD security surveillance, payment systems - alarms, motion sensors and access control systems.
  

Equipment, Tools & Technology

Access to state-of-the-art equipment, tools and technology can bring significant operational efficiencies but requires initial upfront capital. We structure financing that facilitates your purchase in the most tax-efficient manner. Soft-Asset Finance is often the smart choice in this area as it allows you to spread the cost of VAT, benefit from tax deductible OpEx payments and avoid upfront expenditure on depreciating assets. Areas that can be covered include the following:

• Point-of-sale (POS) systems and payment terminals
• Customer relationship management (CRM) software
• E-commerce platforms and digital infrastructure
• Security tagging and loss prevention systems
  

Stock & Inventory Finance

We understand that building inventory ahead of peak seasons is crucial and bulk purchasing requires significant capital investment before you see the returns. Securing finance keeps cash-flow healthy as there is no need to tie up large amounts of your capital.

We can source finance to cover not only your upfront stock costs but also the related expenses of additional display cases, insurance increases and advertising activity. Our efficient process means we can source funding to meet tight deadlines.

We offer a comprehensive range of financial solutions suitable for stock and inventory management, from Long-Term and Stock-Secured Business Loans to Short-Term Cash-Flow Loans, Tax Loans and Revolving Credit Facilities. Our consultative approach means our experts source finance matched to your specific situation.

Stock-Secured lending

If your balance sheet is strong due to large amounts of stock being held, our lenders will factor this into their decision making process and lend large amounts against the value of the stock/balance sheet.

Seasonal preparation

Purchasing stock in advance for peak sales seasons around Black Friday, Christmas, new seasons, and other key retail periods.

Supplier inventory purchases

Using finance to cover the high upfront costs to enable bulk buying for better trade discounts or when suppliers offer promotional pricing.

Expanding product ranges

Adding new lines or products to your offering to differentiate your business from the competition and increase sales revenue.

Marketing, Advertising & Events 

If you're looking to invest in marketing or events, don't let budget restrictions hold you back. We can arrange funding that opens the door to marketing opportunities and events that will drive your brand growth and boost sales.

• Digital transformation – building or upgrading your website or launching an e-commerce platform.
• Brand awareness – advertising campaigns, social media presence and influencer partnerships
• Professional photography & videography
• Events & tradeshows
  

If you're running a retail business and want to explore the options available, get in touch 01832 770 273.