As the year winds down in Arlington, TX, local businesses are gearing up to finish the year with a bang. Whether you’re eyeing that prime storefront in the Entertainment District or simply want to beef up inventory before the holiday rush, securing the right funding at year-end can make all the difference.

Here are five smart funding options to help you expand and stock up, ensuring your Arlington business ends the year stronger than ever.

1. Short-Term Inventory Loans

If your shelves are looking a little bare and you need to stock up quickly, a short-term inventory loan is your best friend. This type of funding gives you the cash infusion you need to purchase more products without tying up your working capital. Instead of draining your reserves, you can cover those bulk orders for the holiday season with the loan and pay it off as your inventory moves.

For Arlington retailers, especially those near the bustling AT&T Stadium area, this means you won’t miss out on the influx of holiday shoppers or game-day visitors who are ready to spend. Stock up, sell out, and replenish—all without putting a strain on your cash flow.

2. Business Line of Credit

Flexibility is key when running a business, especially during the unpredictable end-of-year rush. A business line of credit is like your financial safety net—you draw funds as needed and only pay interest on the amount you use. This allows you to stay nimble, adjusting your stock based on demand.

Say you’re running a shop in Downtown Arlington and notice foot traffic picking up as the holiday season hits. With a line of credit, you can quickly respond to increased demand by bringing in additional stock or even adding seasonal staff, all while keeping your budget in check.

3. Equipment Financing

Year-end isn’t just about stocking up; it’s also about preparing for growth. Need new equipment to handle increased demand? Equipment financing can help you buy now and pay over time. Whether it’s upgrading kitchen equipment for your restaurant in Arlington’s vibrant dining scene or purchasing new tools for your expanding auto repair business, equipment financing lets you gear up without depleting your current funds.

And remember, equipment purchases before year-end might even come with tax benefits, allowing you to save money while scaling up.

4. Merchant Cash Advances

If your business sees high daily credit card sales—think cafes, retail shops, or restaurants—consider a merchant cash advance. It’s an easy way to get a lump sum of cash upfront in exchange for a percentage of your future sales. As holiday traffic picks up in Arlington, this can be a great way to fund expansion or cover a large inventory order without worrying about fixed monthly payments.

Plus, merchant cash advances grow with your sales—so if you have a stellar holiday season, you can pay it off quicker.

5. Purchase Order Financing

Have a big order coming in but not enough capital to fulfill it? Purchase order financing lets you secure the inventory you need by leveraging the value of the order itself. This is especially useful if your Arlington-based business works with wholesalers or large clients who place bulk orders around the holidays.

Instead of scrambling for cash to fulfill the order, you get the funding upfront and repay it once your client pays their invoice. It’s a win-win that helps you fulfill larger orders and grow your business without depleting your reserves.

Arlington business owners, the clock is ticking, but the right funding options can help you finish the year on a high note. Whether you’re expanding, stocking up, or upgrading your operations, Viking Funding is here to assist with financing solutions that suit your needs.

Ready to explore your year-end funding options? Give us a call at 754-704-9671 to learn how Viking Funding can help your Arlington business close out the year strong!