Small Business Working Capital: Other Clothing Stores


Finance is the lifeline of any business. If you want to start a business, you will need money for that. The extent of financing will vary but you need money to kick start your business activities. That is why we have money lending institutes that cater to the needs of businesses. Here we will talk about the specific working capital requirements of a small business that is other clothing store. So, let us get started.

What are other clothing stores?

Other clothing stores are establishments that sell clothing for some specific purpose, niche clientele, or special occasions. Examples of other clothing stores include stores that sell sportswear, gym wear, lingerie, and innerwear, bridal gowns, special costumes, uniforms, hip hop clothes, maternity clothes, etc. Besides selling clothes, they also engage in basic tailoring and alteration services. These may include hemming, managing the length of sleeves and shirts, taking or letting out seams, etc.

What is working capital?

Working capital is the amount of cash left with you after you deduct all your payables from your assets. It is part of the operating capital and is an important financial metric to assess the worth of your business. You can easily assess the health of your business by calculating your working capital. If it is positive then your business is going well, otherwise, you need to rethink your strategies of doing business.

Financial prospects of other clothing stores:

A regular, retail clothing store earns profit in the range of 4-13% as per the industry sources. The profit margin of other clothing stores is usually higher than that. This is because the nature of the clothing is different. There is a variation in the profit margin of different types of clothing stores. For example, the owner of a gym wear store would be earning different from the owner of a wedding dresses’ store. The margin also depends on the quality of the clothing and the location of the business. In any case, other clothing store is not a bad business proposition at all. People are earning reasonably well by opening other clothing stores.

Working capital requirements of other clothing stores:

Other clothing stores require working capital to survive like all other businesses. Being small businesses though, they often find it hard to keep their working capital positive. A week or so of low sales can significantly alter the working capital equation against them. This gains more prominence in the wake of Covid-19 as there is a global slowdown in business and trade activities.

Meeting working capital requirements of small businesses:

To inject cash into the business, and fill the gap between your payables and receivables you will require business financing. Banks readily come to mind when it comes to financing your business. But obtaining a loan from a bank has its pros and cons. And in the case of small businesses, the cons outweigh the pros. Banks are hesitant to lend money to small businesses in the first place. They cite frequent insolvency of small businesses as a reason. Even if they agree to finance you, the conditions are usually very harsh and hard to comply with.

In such a scenario, you turn to other sources to finance your business like friends and family. But they may or may not be able to meet your needs. Under such conditions, VIP Capital Funding comes as the only viable solution for your small business working capital needs.

VIP Capital Funding, your best partner for small business financing:

VIP Capital Funding is a fin-tech organization that specializes in granting loans to small businesses. You can get loans to start a new business or upgrade your existing one. VIP Capital Funding is a great way to keep your business liquidity intact and grow your business at the same time.

How does it work?

Getting a loan from VIP Capital Funding is a cakewalk. You will not be asked a plethora of questions or asked to fill dozens of documents. There are zero to very few collaterals required. The approval rate of loan applications is almost 100% and the organization is serving hundreds of industries already.

Contact VIP Capital Funding:

You just have to visit their website,, and inform them about your financing requirement. Their contact info is;

You can also contact its owner and Executive Managing Partner, Mr. Joshua Triplett at his email: or call him at 919-521-8459.

You will get your loan in 3-4 working days after applying for it. What more can you ask for?


VIP Capital Funding is the best option when it comes to small business financing. It is a professional organization with a solid reputation in the market. You will have to avail their financial services to know about the level of their service and speed of delivery. We hope you will consider them for your small business loan the next time you need it.