FICO 500+ considered. We start with a soft pull and look closely at the deposits your store brings in every day.
See What I Qualify ForBad Credit Funding
A rough patch on your credit file doesn't erase a store full of regular shoppers. We weigh your recent deposits alongside your score.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified stores.
A soft pull starts things off. Deposits, account health and obligations all factor in.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The payment schedule is laid out in your offer up front, so you know what comes out and when.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Running a grocery store means carrying a lot of weight on thin margins. One bad year, a spoiled shipment you had to eat, a medical bill at home or a slow first year after opening can all leave marks on a credit report. None of that changes the fact that shoppers come through the door every day.
We consider owners with FICO 500+ and give real weight to what's happening in your bank account now, not only what happened on your credit file in the past.
Credit is one factor among several. Here is how it generally fits in:
We start with a soft credit pull, so looking at your options doesn't affect your score.
About three months of business bank statements and a 5-minute application. No tax returns are required. Sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, and the amount depends mainly on deposits and existing obligations.
Not sure where you stand? Our grocery store qualification guide walks through what funders look at.
For illustration: a family-run market had a hard stretch two years ago and still carries a few late payments on the owner's credit report. Since then, deposits have been steady and the account rarely dips negative. The owner applies to restock before the holidays, shares three months of statements, and reviews an offer showing the full repayment amount and the schedule. The credit history is part of the picture, but so is the store's recent track record. Whether to accept is still the owner's call, made after comparing the payments with weekly vendor bills.
A lower score doesn't lock you into one product. A revenue-based financing offer is sized from your deposits. Working capital covers general needs like inventory and payroll. For a specific cooler or POS system, look at equipment financing.
Your offer shows the full repayment amount and the payment schedule before you accept. Read it against your cash flow, then apply when you're ready.
FICO 500+ is considered. Your score is one part of the review alongside deposits and existing obligations.
We start with a soft credit pull, which doesn't affect your score.
Not necessarily. Each file is reviewed on its own. Recent deposits and account health carry real weight.
No tax returns are required. We look at about three months of business bank statements.
Yes, credit can affect the size and structure of an offer. You'll see the full repayment amount before you accept.
Example uses for illustration only.
Honest steps that can strengthen a grocery store's file over time.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding