Privacy Policy

Retail Capital is dedicated to helping the small business owner by advancing cash to businesses that do not qualify for a traditional bank loan. We do this through our proprietary underwriting and analysis that looks at the performance of the business through cash flow and payment behavior in addition to personal and business credit history.

Information We Collect

We collect information required to verify your identity, to determine whether or not you qualify for one of our cash advance products, and to process your account including deducting automatic payments and/or split-funding arrangements with a credit card processor. We collect information that includes your bank statements, credit card statements, your average bank balance, personal and business credit history, tax ID number, social security number, bank account information and payment behavior. We may conduct a site visit to collect information. We also obtain your credit score from the three credit bureaus. Once you are a Retail Capital, LLC customer, we may reach out to you for information again if you decide to renew your advance.

Privacy and Sharing of Information

By providing us the required information as outlined above and in your application, you are granting Retail Capital, LLC and our trusted business partners and service providers access to it. Your information is held securely by Retail Capital LLC and our trusted partners. We may share your basic information (Name, Company Name, Phone, Email Address and Requested Loan Amount) with one of our business partners if we are unable to provide you with an advance. One of our partners, that offers alternative products and other merchant services, may contact you to offer you a loan product and to obtain further information.

Security of Information

At Retail Capital, LLC, we take the security of your information very seriously. Retail Capital LLC protects your information using bank-level data security: 128 bit-encryption and a Secure Sockets Layer (SSL) protocol. This creates an encrypted connection between your browser and our servers. All information remains encrypted at all times.

If you allow Retail Capital LLC to see your banking information online rather than in paper form, it is on a read-only basis. We do not have access to change, edit, or modify bank account information in any way. Retail Capital LLC employees cannot view your banking username and passwords, and we securely store them in separate encrypted areas.

Opt-Out Policy

Retail Capital LLC and our business partners may contact you to offer you products and services that may of interest to you. To opt-out of receiving emails, telephone solicitations or other forms of contact from Retail Capital, LLC, and our trusted business partners regarding other products and services, please send an email to with "Opt-Out" in the Subject line, or a letter by postal mail to:

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You must include your full name and business mailing email addresses and account number. Once we locate your contact information based on the information you provide us, it will be removed from our databases and mailings lists.

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