Draw for restocks, repairs and vendor bills when they come up. Three months of bank statements, a soft pull to start, FICO 500+ considered.
Apply in 5 MinutesConvenience Store Line of Credit
Deliveries, repairs and invoices come in waves. A line gives you funds to draw on as each one lands, with costs shown up front.
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. No tax returns. Funding in as little as 24 hours for qualified stores.
FICO 500+ considered. We start with a soft pull and look at your daily deposit pattern.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The schedule is laid out in your offer from the start, so each draw is easy to plan for.
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.
Most convenience store cash needs are not one big event. It is a beer delivery on Thursday, a compressor repair the next week, a vendor invoice due before the weekend. A business line of credit fits that pattern. Instead of taking one lump sum, you have access to funds you can draw when a need comes up.
For owners who are tired of scrambling every time a bill arrives early, that flexibility is the main appeal.
| Situation | Better fit |
|---|---|
| Recurring restocks and small repairs | Line of credit |
| One large purchase like a remodel | Working capital |
| A new cooler or ice machine | Equipment financing |
| Advance against card sales | Merchant cash advance |
For a side-by-side, read line of credit vs. merchant cash advance for convenience stores.
We look at about three months of business bank statements. Consistent daily deposits from card and cash sales help, as do few overdrafts. We start with a soft credit pull and consider FICO 500+. No tax returns are required, and sole proprietors can apply. The 5-minute application is the first step, and funding can arrive in as little as 24 hours for qualified businesses.
For illustration, picture a store with steady daily sales that gets hit with a distributor invoice, a cooler compressor repair and a holiday restock all in the same month. Instead of taking three separate requests, the owner draws from the line for each one as it comes up, then repays as sales come in. Over time, the pattern of draws and repayments becomes part of how the store manages its cash, rather than a scramble every time a bill lands early.
A line works best when you treat it like a tool, not a second checking account. Draw for needs that turn into sales, like inventory, and repay as those sales come in. Your offer lays out the full repayment amount and schedule before you accept, so you know what each draw means for your weekly cash. Our convenience store cash flow guide has more ideas for planning around busy and slow periods.
A line lets you draw funds as needs arise, while working capital is a single lump sum. Your offer explains how the specific product works.
About three months of business bank statements and a 5-minute application. No tax returns.
FICO 500+ is considered. Credit is weighed together with your deposits and existing obligations.
Funding can arrive in as little as 24 hours for qualified businesses.
Your offer shows the full repayment amount and schedule before you accept.
Yes. Many store owners draw on a line to stock up before busy seasons and holiday weekends, then repay as that inventory sells through the register.
Example uses for illustration only.
A few habits make a convenience store a stronger candidate for a line.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding