Liquor Store Funding

Stock up for the holidays, replace a cooler, remodel, cover the license, or buy the store next door. Approved on your bank deposits, not your credit score. FICO 500+ OK, soft pull to check.

When the shelf is empty, you're not making money

A liquor store lives and dies by what's on the shelf. The holidays are coming and your distributor wants a big pre-order, but the cash to buy it deep is tied up in the inventory you already have. Or the walk-in cooler died on a Friday and you're losing every cold six-pack and case of White Claw until it's fixed. Maybe the store two doors down is for sale and you'll never get a chance like that again — but the bank wants two years of tax returns and a month to decide.

Retail is timing. You need to buy inventory when it's cheap, cover the state license renewal on schedule, and jump on the deal before someone else does. Waiting weeks for a bank isn't funding — it's a missed season. We look at what actually matters for a store like yours: the money moving through your account every day.

How it works

• 1. Apply in minutes. Short form, then send 3–6 months of business bank statements. No tax returns, no business plan, no piles of paperwork.
• 2. Get a real offer. We review your deposits and lay out the amount, terms, and cost up front. The credit check to qualify is a soft pull — it won't ding your score.
• 3. Get funded. Approve the terms and funds can hit your account in as little as 24 hours. Use it for inventory, equipment, license, remodel, or the buyout.

Real numbers and who qualifies

Say your store runs about $95,000 a month through the register between counter sales and cards. Your distributor offers a holiday case discount if you order deep by November, and it would take $40,000 to load up on wine, spirits, and seasonal beer at the better price. A $40,000 advance lets you buy the whole order now, sell it through the December rush at full margin, and pay it back out of the season it pays for. The discount plus the higher holiday volume can more than cover the cost of the funding.

Funding runs from $10,000 to $5,000,000 depending on your volume. You'll generally qualify if:

• Your store has been open at least a few months with steady deposits
• You do roughly $10,000+ a month in revenue through the business account
• Your FICO is 500 or higher (lower can still work with strong sales)
• You have a business bank account where sales land

Use it for inventory buys, a new walk-in or reach-in cooler, POS and coolers for a remodel, the annual liquor license or renewal, shelving and signage, or buying an existing store or a second location.

Straight answers

Can I get funding to buy inventory for the holidays?

Yes — inventory is the most common reason liquor stores use it. Fund the distributor order now, sell through the season, pay it back from the sales it created.

Will this hurt my credit score?

No. Checking your options is a soft pull, so your score is untouched. You see your offer before committing to anything.

My credit isn't great. Can I still qualify?

Often, yes. We approve on your bank deposits, not your credit score. FICO 500+ is fine, and strong sales matter more than a low number.

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

Yes. Larger amounts up to $5M can go toward buying an existing liquor store, a second location, or a full remodel — as long as your deposits support it.

Do I need to put up collateral?

Not for working capital. Inventory, coolers, and license funding are based on cash flow, so you don't pledge your home or building.

How fast can I actually get the money?

Apply in minutes and, once approved, funds can arrive in as little as 24 hours. Timing depends on how quickly you send bank statements and approve terms.

What about the liquor license renewal?

You can use funds to cover license fees and renewals so a deadline never puts your ability to sell at risk.

Ready when you are

Whether it's a holiday inventory load, a dead cooler, a remodel, the license, or buying the store, we can get you a real offer without touching your credit score. Apply in minutes and see what your deposits qualify you for.