$1M Retail Funding — Revenue-Backed Capital for Established Retail Operators
$1M in retail funding is for operators who've built real revenue — multi-location groups, high-traffic single stores, or specialty retailers with strong deposit history.
Four Point Group's $1M retail funding is underwritten on your revenue history. No personal assets required. No bank timeline.
Who Qualifies for $1M Retail Funding?
Most $1M retail funding applicants have:
- **$150K+ average monthly revenue** (trailing 6-month average)
- **24+ months in business** with strong, consistent deposit history
- **Low NSF activity** in the business checking account
- **No open tax liens** against the business entity
What Does $1M Retail Funding Enable?
- **Multi-location rollout** — lease, build-out, inventory, and working capital for 2+ new stores
- **Major inventory investment** — position for peak seasons or new category launches
- **Operational transformation** — full tech stack, fixtures, displays, and systems upgrade
- **Acquisition or merger** — acquire a competitor or merge complementary retail operations
- **E-commerce integration** — full omnichannel build-out with fulfillment infrastructure
Revenue-Based Underwriting — What We Look At
- 3–6 months of business bank statements (not tax returns)
- Monthly deposit average and consistency
- Business checking account health (NSF rate, overdraft history)
- Revenue trend and inventory velocity
**Soft pull only on application. No hard pull until you review an offer.**
**Apply for $1M retail funding** — 5 minutes, 24-hour advisor response.