E-bike and high-end bike inventory
Stock the floor with premium e-bikes, road bikes, and mountain bikes ahead of peak season.
E-Bike Inventory Is a Different Animal. Your Capital Needs to Keep Up.
A high-end e-bike on the floor costs as much as a used car. Get a line of credit up to $1.5M that keeps your floor stocked and your service bay running.
Funding for the modern bike shop economy.
The bike shop business has been transformed by e-bikes. A single premium e-bike can carry an MSRP north of $8,000. A well-stocked floor of e-bikes alone can represent six figures in inventory. Add seasonal demand spikes in Q2 and Q3, service bay equipment, BNPL receivables from consumer finance partners, and the constant pressure to stock the newest models, and traditional retail capital approaches fall short.
Commercial Capital Connect provides bike shop operators a working capital line of credit up to $1.5 million with interest-only options. Stock the floor ahead of season. Add service bay capacity. Fund a second location. Bridge BNPL receivables. Same-day approvals, funding in under a week, no daily debits.
Service bay equipment and expansion
Add lifts, tool walls, wheel building equipment, and a dedicated e-bike service area.
Seasonal stocking and pre-season buys
Take advantage of supplier pre-season pricing and stock up before demand peaks in spring and summer.
Multi-location and shop expansion
Fund the lease, buildout, and opening inventory for a second location.
BNPL receivable bridging
Bridge the gap between consumer finance payouts and your supplier payment due dates.
Basic line of credit review criteria
These are baseline review items, not an approval, offer, or commitment to lend.
- Estimated Equifax score of 575 or higher
- Operating at least 30 days
- About $17,000+ in average monthly revenue
- Active commercial business location
- 0 to 2 active cash advances preferred
Why Commercial Capital Connect
CCC is a business finance marketplace, not a direct lender. One application can help compare potential options through a network of 75+ lending partners.
Inventory-heavy is normal here
Floor stock is your business. We do not flag you for an inventory-heavy balance sheet.
Seasonality is baked into underwriting
We expect Q2 and Q3 to outperform. Trailing twelve-month average drives approval.
Interest-only options
Keep fixed payments lean in shoulder season and pay down principal when summer revenue arrives.
Pay off restrictive financing
Trapped in a daily-debit cash advance from a slow winter? We can refinance up to two into a real LOC.
Bicycle Shops funding FAQ
Can a small independent shop qualify?
Yes. Independent shops qualify on the standard criteria: 575 Equifax, 30 days TIB, $200K annual revenue. Approval amounts scale with revenue.
Can the line be used for pre-season inventory buys?
Yes. Pre-season inventory stocking is one of the most common and effective uses.
What about used bike or trade-in inventory?
Used and trade-in inventory is a valid part of your business. The line provides general working capital that can support any inventory category.
Can I use the line to add a fitting studio or coffee bar?
Yes. Buildouts that drive customer traffic and ancillary revenue are common uses of the line.
How does the line handle a slow January?
Interest-only payment options keep monthly costs low during slow months. Principal pay-down accelerates when peak season revenue lands.