Fast funding for retailers and restaurants based on card sales. Approved in days — not weeks.
No bank red tape, no waiting.
Traditional financing wasn’t built for the rhythm of retail and restaurants. Here’s what gets in the way of growth.
Peak seasons like holidays or back-to-school demand that inventory is stocked weeks before revenue flows in — creating a critical cash gap.
Banks require extensive documentation, collateral, and strong credit scores — conditions that many profitable small businesses can’t meet.
Revenue fluctuates month to month — a strong October doesn’t guarantee November. Lenders that don’t understand this cycle create added stress.
A chance to expand, take over a lease, or lock in bulk pricing requires capital within days — not months of waiting for bank approval.
Your POS terminal data is your application. If you process card payments, you already qualify for review — no mountains of paperwork.
Secure your holiday inventory, seasonal menu items, or bulk supplier deals — all without tapping your operating reserves.
Typical decisions in 24–48 hours means when a prime location opens or a bulk deal appears, you can move faster than competition.
Slower month? Lower repayment. Strong season? Pay down faster. Flexible repayment aligned with how your business actually earns.
GIP Funding is purpose-built for card-heavy businesses with real sales volume. Here’s what we look at:
Card-heavy retailers, restaurants, cafes, boutiques, convenience stores, and specialty shops
Card swipe volume of $5,000+/month or equivalent bank deposits showing consistent sales
Minimum 6 months of operating history with verifiable sales records
Recent merchant statements or bank statements — no extensive financial packages needed
Most card-processing retailers and restaurants already meet our core criteria:
Based on card sales volume and business profile
Our dashboard shows your funding possibilities based on sales. Review terms and choose what works for your business.
Receive working capital that moves with your revenue. Funds arrive in your account — ready to stock, hire, or grow.
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Sales Lift
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Cost Saved
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Location
Owner, Fiamma Kitchen — Austin, TX
Owner, Maple & Thread Boutique — Chicago, IL
“The transparency was refreshing. They showed me exactly what I qualified for, what the repayment looked like, and I made a fully informed decision. No surprises whatsoever.”
Owner, Coastal Home Goods — Miami, FL
256-bit SSL encryption on all data submissions. Your business information is never sold or shared with third parties.
Applying is completely free. Review your offer with no pressure — only proceed if the terms work for your business.
We walk you through each step of the review. No hidden criteria, no surprise rejections — full visibility throughout.
Every offer includes a clear breakdown of the factor rate, total cost, and repayment schedule — before you sign anything.
Security & Compliance Dashboard
Identity Verification
Sales Review
Offer Generation
✓ Complete
✓ Verified
⟳ Processing
All applications are reviewed in compliance with applicable federal and state lending disclosure requirements. GIP Funding is not a bank. Merchant cash advances are not loans.
Our funding advisors work specifically with retailers and restaurants. Get a personalized answer — usually within the hour.
