Convenience Store & Bodega Funding

Cash for inventory, coolers, POS, fuel, remodels, or buying the store next door — approved on your daily deposits, not your FICO. Soft pull to check, funded in as little as 24 hours.

You move product every day, but banks don't see it that way

Your register rings constantly — cigarettes, lottery, drinks, snacks, a full tank at the pump. But when the walk-in cooler dies in July, or your distributor wants a bigger prepay for a better case price, the cash isn't sitting there. It's tied up in inventory on the shelf and in receipts that clear on their own schedule.

A bank looks at a c-store or bodega and sees thin margins, high volume, and a credit score they don't love — then takes weeks to say no. We look at the one thing that actually tells the story: what runs through your bank account every month. If deposits are steady, you can get funded, even with a 500 FICO and a couple of rough months behind you.

How it works

• 1. Apply in minutes. Basic business info and your three most recent bank statements. No tax returns, no business plan, no piles of paperwork.
• 2. Soft-pull review. We read your deposits to size the offer. The credit check is a soft pull, so shopping costs you nothing.
• 3. Funded fast. Approved offers can fund in as little as 24 hours. The money hits your account and you buy the inventory, fix the cooler, or close on the store.

Real numbers, real stores

A bodega owner in a busy corner spot pulled $38,000 to replace two failing beverage coolers and add a lottery/ATM combo up front — funded the day after approval, before the summer rush. A c-store doing about $95,000 a month in deposits took $150,000 to remodel, add hot food, and buy a fuel-inventory cushion so they never ran dry on a holiday weekend. Another owner used $220,000 to buy out the store two blocks over and run both under one name.

You're a strong fit if you:

• Run a convenience store, bodega, corner store, gas station mini-mart, or smoke/vape shop
• Have been open at least a few months with steady bank deposits
• Have a business checking account where your sales land
• Have a FICO around 500 or higher (we still work with lower in many cases)

Use it for whatever the store needs: inventory and distributor prepays, new coolers and freezers, a modern POS and scanners, security cameras, fuel inventory, a full remodel, or the down payment to buy the store outright.

Straight answers

Can I get a c-store loan with bad credit?

Yes. We approve on your bank deposits, not your credit score. FICO 500+ works, and we still fund many owners below that when deposits are strong. Checking your options is a soft pull that won't hurt your credit.

How fast can I get the money?

Once you're approved, funding can hit your account in as little as 24 hours. Speed depends on how quickly you send your bank statements and confirm the offer — most of the wait is on paperwork, not us.

How much can a convenience store borrow?

Anywhere from $10,000 to $5,000,000. The amount is based on your monthly deposit volume — the more consistent your sales, the larger the offer.

Can I use it to buy a store or a second location?

Yes. Owners use this funding for down payments, buyouts, and expansion into a second bodega or c-store all the time.

Do I need to put up collateral?

No collateral is required for working capital. Your deposits carry the approval.

What paperwork do you need?

Basic business details and your three most recent business bank statements. That's usually it — no tax returns or business plans to check your options.

Get your store what it needs

Coolers, inventory, POS, remodel, or the store next door — see your offer without touching your credit score. Apply now and you could be funded in as little as 24 hours.