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Retail generally refers to individuals as customers and small business customers. Generally it takes place in local branches, online sites, and bank by phone. The same bank may serve commercial customers but typically these customers have an assigned officer and a special terminal in their Treasury Department to transact business. Investment banks focus on the capital markets.
However, that is the exception and most wholesale properties need major fixes and may need months of repair time. The other big difference in wholesales vs. retail is the regulations and risks involved. Retail homes are full-priced and very rarely sell under market unless itâs a short sale or HUD sale.