Record Store Business Loans

Simple application. Simple process.

Our record store business loans will be music to your ears.

If you own one of the 1,000-plus independent record stores in the United States, you hopefully see profits. However, running a record shop requires capital to pay for ongoing expenses such as inventory, rent, employee salaries, electricity, and marketing, to name just a few. Balboa Capital is a small business lender that is ready to help. Our record store business loans will be music to your ears because they have competitive rates and easy repayment terms.

You can apply for a small business loan quickly right on our website. If your loan application is approved and you decide to move forward, one of our business funding specialists will contact you to discuss your options and answer any questions you have. Balboa Capital funds record store loans quickly, so you can expect to receive your cash in record time, pun intended.

  • Loans from $5,000 to $250,000
  • If approved, same-day funding is available
  • Easy online application
  • One-hour approval decisions during regular business hours
  • Flexible terms available
  • Competitive rates

Business loans in 3 easy steps.

balboa capital devices
  1. Submit a simple online application.

  2. Get a prompt decision during our normal business hours.

  3. If your application is approved, funds will be provided fast.

What we look for.

Qualifications 2

Minimum of one year in business

$300,000+ in annual revenue

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FICO score of 620 or more

These are some of our minimum lending requirements, and meeting them does not constitute a business loan approval.
Should you apply for a small business loan, additional lending criteria will determine if you qualify.

Business loans for record stores never sounded better.

As you know, the digital era turned the music industry upside down. Compact discs, first introduced in 1982, overtook vinyl records as the most popular means of listening to music. CDs were eventually replaced by online music that could be streamed anytime, anywhere. That said, the digital era has not put an end to vinyl record sales in the United States.

Vinyl records have experienced a resurgence, with year-over-year sales increasing for 15 straight years in our country. Last year, nearly 20 million vinyl albums were purchased at brick-and-mortar record stores and online. This is excellent news for your record shop, so long as you maintain adequate cash flow. Balboa Capital has money to lend, so apply for a business loan.

record store business loans

Reasons to choose Balboa Capital.

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Lender with an A+ BBB rating

Over $7 billion funded nationwide

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Simple, quick process