From fixtures to launching collections, wholesale or e-commerce, Rainstar Capital Group connects apparel and footwear businesses with commercial financing built around seasonal collections and retailer terms.
Apparel and footwear businesses design and buy seasons ahead, tying up cash long before sales. Between seasonal collections and retailer terms and the cost of production and store equipment, apparel and footwear businesses need capital that fits the way their business actually works, not a one-size-fits-all loan.
The right financing turns those pressures into opportunities. It lets apparel and footwear businesses invest in fixtures, sewing and production equipment and POS, keep apparel and footwear on hand and pursue growth such as launching collections, wholesale or e-commerce, without draining the cash that keeps daily operations running.
We work with clothing and shoe retailers, brands and manufacturers, and we structure every request around the realities of your cash cycle, from seasonal collections and retailer terms to the equipment and space you need to grow.
Apparel and footwear brands design seasons ahead, and we love helping them bring those collections to market. Our inventory and purchase order financing funds production runs so a wholesale order or a strong drop never outruns your cash.
Every apparel and footwear business hits cash-flow pressure points. Here is how lines of credit and the right loan structures turn each one into an opportunity.
Much of your revenue arrives as invoices from wholesale accounts, while payroll, rent and suppliers are due now.
How financing solves itInvoice factoring or a receivables-based line of credit advances cash against what you've already earned, so operations never wait on customers.
Fixtures, sewing and production equipment and POS are expensive to buy and maintain, and when they fail, revenue stops.
How financing solves itEquipment financing spreads the cost of production and store equipment over its useful life, uses the equipment as collateral and preserves your cash.
Keeping apparel and footwear on hand requires significant capital, especially ahead of busy periods or when suppliers offer volume pricing.
How financing solves itInventory financing and short-term working capital let you stock up strategically without starving the rest of the business.
Opportunities like launching collections, wholesale or e-commerce require capital up front and take time to pay back.
How financing solves itTerm loans and SBA 7(a) loans provide longer repayment schedules that match the payback of growth investments.
Rising rent on your store or studio can erode margins at every renewal, and landlords may not renew on your terms.
How financing solves itCommercial real estate loans and SBA 504 financing help you buy your property, lock in occupancy costs and build equity.
Collections must be produced months before they sell. For apparel and footwear businesses, that pressure can slow growth or force hard trade-offs.
How financing solves itInventory and purchase order financing fund production. Payments are structured around your cash cycle, so you can keep operating with confidence.
From commercial real estate and equipment to inventory, factoring and business lines of credit, we match apparel and footwear owners with the product that fits the need.
Flexible, revolving capital for payroll, supplies and seasonal gaps. Draw what you need and pay interest only on what you use.
Turn invoices from wholesale accounts into immediate cash.
Fund apparel and footwear so you never miss a sale or a supplier deal.
Fund large wholesale orders.
Finance fixtures, sewing and production equipment and POS, new or used, often with little money down.
Purchase, refinance or expand your store or studio with long-term fixed or variable options.
Government-backed loans with longer terms for acquisitions, real estate, equipment and refinancing.
A lump sum for launching collections, wholesale or e-commerce, repaid on a predictable schedule.
A short application and a few recent bank statements are usually enough to start.
We shop your request across our lender network and walk you through the terms side by side.
Choose the offer that fits and put the capital to work in your apparel and footwear business.
Apparel and footwear businesses commonly use business line of credit, invoice factoring, inventory financing, purchase order financing, equipment financing and commercial real estate. The right mix depends on what you're funding, how quickly you need it and how long you've been in business.
Yes. Equipment financing covers fixtures, sewing and production equipment and POS, both new and used. The equipment typically serves as collateral, which can make approval easier and keeps your cash free for operations.
Collections must be produced months before they sell. For apparel and footwear businesses, that pressure can slow growth or force hard trade-offs. Inventory and purchase order financing fund production. Payments are structured around your cash cycle, so you can keep operating with confidence.
Working capital and lines of credit can fund in days. Equipment financing often takes about a week. SBA and commercial real estate loans take longer because of underwriting and appraisals.
Not necessarily. Lenders look at cash flow, time in business, collateral and credit together. We start with a soft review where possible so you can see your options before anything affects your score.
Practical articles for apparel and footwear owners on cash flow, equipment, real estate and growth capital.
Tell us what you're working toward. We'll compare lenders and products and show you options that fit.
Checking your options won't affect your credit score. All financing is subject to lender approval.
