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No Start Up Funding
Minimum $15,000 in revenue / month
Apply Online
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Decision as fast as
same day
Get funded as fast as
next day
Receive between
$25k – $25m
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Are we a match? Check our minimum requirements.
$15k
business monthly revenue
500+
credit score
4+
months in business
Business
checking account
Our founding principles:
Honesty
Integrity
Passion
Simplicity
Professionalism
Our founding principles:
Passion
Integrity
Honesty
Simplicity
Professionalism
YM Ventures is an innovative, boutique finance company with significant financial backing that enables us to work with both small and large businesses throughout the US. With extensive expertise in dealing with private and public companies, we provide corporate entities with uncommon, tailored financing solutions.
YM Ventures is an innovative, boutique finance company with significant financial backing that enables us to work with both small and large businesses throughout the US. With extensive expertise in dealing with private and public companies, we provide corporate entities with uncommon, tailored financing solutions.
Our mission is to partner and assist our clients with both short- and long-term working capital solutions as well as the purchase, refinancing and consolidation of debt in the middle market. This includes transactions of all sizes, across a wide range of industries, and in any type or stage of business with a focus on long-term sustainable value.
Since the first transaction we completed in 2006, YM Venture’s core values have remained unchanged: putting the client’s interests first; treating every client as if they were our only client; completing projects efficiently and effectively through teamwork; being responsive to our clients’ needs; and exceeding expectations. That is why we have earned an excellent reputation for our services throughout the industry.
Retail business loans cater to the needs of retail business owners, from inventory purchase and working capital to expansion, equipment acquisition, and marketing. YM Ventures provides a streamlined, flexible funding approach for both start-ups and growing retail stores. We create unique funding solutions without high interest rates or excessive fees, and quick approval, making us an ideal choice for retailers seeking financing. We’re committed to helping you achieve long-term retail business success.
Retail business loans are a financing option tailored for retail businesses. These loans vary in terms, interest rates, and amounts based on the lender and the retailer’s specific needs and credit profile. They can be used for:
The credit risk of business loans for retailers hinges on the likelihood of the business failing to meet its repayment obligations. Business performance, sales success, and competition influence this, and also cash flow inconsistency, seen in seasonal businesses. Economic downturns and market trends may impact the ability to manage debt. High operational costs and existing debt levels compound this risk. A retailer’s past credit history, industry-specific challenges, and fluctuating value of inventory play a role. Late payments or defaults indicate higher risk. Banks consider these factors when setting loan terms. There are other ways to get a retail business loan. Consider YM Ventures for your retail business.
A retail store loan provides many benefits for a business owner and these advantages help to maintain stability, grow, and capitalize on market opportunities:
At YM Ventures we are investors who deliver flexible funding. Move your business forward with YM Ventures as your partner and get fast access to funding.
Both retail and wholesale business loans require a solid business plan and good credit history, but wholesale loans involve larger transactions and longer sales cycles compared to retail loans.
Based on location and size, the cost of leasing or purchasing retail space for a small retail store is the most significant expense. Setting up the store with fixtures, and decor, may cost a few thousand to tens of thousands of dollars. Initial inventory purchase is a major cost. Fees for licenses and permits differ by location and may cost from a hundred to a few thousand dollars. Other expenses may include equipment and supplies, insurance, utilities and internet, marketing and advertising, employee salaries, and working capital to cover the first few months of operation. Overall, the total cost to open a small retail store can range from $50,000 to $100,000 or more, requiring capital. Our mission is to guide you towards what’s best for your retail business, offering you flexible funding up to $25M.
The profitability of a small retail store can differ based on circumstances and strategies and depends on:
Market Competition: The level of competition and current market trends play an important role in profitability.
Our objective is to collaborate with and support you to get short-term and long-term working capital. We also purchase, refinance, and consolidate debt in the middle market. We assist retail businesses at any stage, with a focus on long-term sustainable value. We pride ourselves on being innovative investors offering adaptable funding solutions. We’re pioneers in developing new avenues for capital acquisition. As skilled negotiators, we secure advantageous rates that reduce your costs. As collaborators, we bring together top-tier talent dedicated to realizing your vision. If you need a business loan to build a shop or increase your retail inventory, apply at YM Ventures today, get approved, and get funded.