Gun Shop Business Loans
Keep your store moving forward. Explore financing for operating expenses, store improvements, and business growth—with options based on your revenue and qualifications.
For established U.S. businesses. Funding availability, amounts, and terms depend on the provider and your business profile.
Build A Stronger Business
*Starting criteria for select revenue-based programs. Other programs may require a longer history and additional documents.
Put Your Capital To Work
Choose a funding purpose with a clear business payoff and a repayment plan your cash flow can support.
Working Capital
Cover payroll, rent, insurance, and utilities while managing uneven cash flow.
Store Improvements
Update retail fixtures, checkout systems, and security equipment without using all your cash reserves.
Business Growth
Support hiring, staff training, or location improvements with a budget tied to measurable goals.
Compare Your Funding Options
The right structure depends on your funding purpose, business performance, and the provider’s industry eligibility.
Business Term Loans
A lump sum with a defined repayment schedule for a planned business expense. Compare the total cost and payment frequency before accepting an offer.
Business Line Of Credit
Access approved credit as needs arise. Review draw fees, repayment terms, and whether the line replenishes after payments.
Equipment Financing
Explore financing for eligible business equipment. Equipment type, down payment, and provider restrictions affect availability.
Revenue-Based Funding
Some programs evaluate business revenue and bank activity. A merchant cash advance is a purchase of future receivables, not a loan; remittance and reconciliation terms vary by contract.
Not every provider serves firearms retailers. Industry acceptance is confirmed during review; submitting an application does not guarantee an offer.
Get Ready For Your Funding Review
For select revenue-based programs, use these starting criteria to prepare. Term loans, credit lines, and equipment financing may have different requirements.
In business with active, verifiable operations.
A starting credit benchmark for select programs—not an approval guarantee.
Recent business bank statements to review deposits and existing obligations.
What Else Matters?
- Consistent revenue and enough cash flow to support payments.
- Business ownership information and any additional documents requested.
- Required business licenses and the funding provider’s industry policies.
- Existing financing balances and payment obligations.
Minimum revenue varies by program. Additional financial statements or equipment quotes may be requested.
A Clear Path To Funding
Tell Us Your Goal
Complete the application with your requested amount, funding purpose, and business details.
Review Your Options
Provide the requested documents. Available programs are reviewed against your qualifications and industry eligibility.
Choose With Confidence
Review the written offer, total cost, and payment schedule. If approved, complete the agreement and any remaining funding conditions.
Gun Shop Financing FAQs
Can a gun shop qualify for business financing?
An established retailer may qualify with a provider that accepts the industry. Revenue, credit, operating history, and existing obligations affect the review.
Can I apply with less-than-perfect credit?
Some revenue-based programs may consider applicants starting at 550 FICO. Credit is one factor; revenue and bank activity also matter. Other programs may require stronger credit.
How much can I receive, and how quickly?
The amount and timeline depend on your business profile, complete documentation, program availability, and approval conditions. Request a review for options specific to your store.
What should I compare before accepting an offer?
Compare the amount you receive after fees, total repayment or purchased receivables amount, payment frequency, term, collateral or guarantees, and early payoff conditions. For an MCA, also review reconciliation provisions.
Can I apply for a store that has not opened yet?
This page focuses on operating businesses. The starting criteria shown require at least six months in business for select programs.
Move Your Business Forward
Tell us what you want to accomplish. We’ll help you explore options that fit your business profile.
Monday–Friday · 9 AM–6 PM ET