Draw when the distributor calls, the cooler acts up or the holidays get close. Apply in 5 minutes with a soft credit pull to start.
See My LimitBusiness Line of Credit
Busy weekends, allocation drops and surprise repairs do not follow a schedule. A line of credit lets you draw only when the moment comes.
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.
Apply in about 5 minutes with roughly three months of statements. Qualified stores can draw in as little as 24 hours.
FICO 500+ is considered, and a soft pull starts the process. Deposits matter as much as the score.
Your offer spells out the full repayment amount. You will not find surprise costs after you accept.
The repayment schedule for draws is laid out in your offer, so you can plan around it.
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.
Liquor retail rarely needs one big check. It needs a little more in late November, a quick repair in July, and a bigger allocation buy when a distributor calls. A business line of credit for liquor stores gives you an approved limit you can draw from when those moments arrive, instead of applying again every time.
You draw what you need, repay according to the schedule in your offer, and keep the rest of the line available.
| Situation | Often a better fit |
|---|---|
| Recurring seasonal stock buys | Line of credit |
| Unplanned repairs during the year | Line of credit |
| One large project, like a remodel | Lump-sum working capital |
| Repayment tied to daily sales | Merchant cash advance |
We break down the trade-offs in line of credit vs. merchant cash advance for liquor stores.
The application takes about 5 minutes. We start with a soft credit pull, then review roughly three months of business bank statements. Tax returns are not required. FICO scores from 500 are considered, and sole proprietors can apply.
Your limit depends mainly on your average deposits and any obligations you already carry. We offer funding from $25,000 to $5,000,000 across our products.
Before you accept, your offer shows the full repayment amount and how draws are repaid. No costs get added after you sign. Once set up, qualified stores can access funds in as little as 24 hours.
If you want a store that never runs out of its best sellers, start your application today.
For illustration, picture a neighborhood store that draws in early November to stock up on wine and spirits for the holidays, repays as December sales come in, then draws a smaller amount in June to stock beer and seltzer for summer weekends. In between, the unused part of the line simply sits there as a backstop for a broken cooler door or a surprise tax bill. That pattern is why a line of credit appeals to owners whose needs repeat but whose timing does not. It also saves you from applying from scratch each time a need appears.
A loan or advance pays out once. A line gives you a limit you can draw against as needs come up, which suits stores with recurring seasonal purchases.
Mainly your average monthly deposits and existing obligations. Steady, well-documented deposits support a higher limit.
Yes. Many stores draw ahead of busy periods and repay as sales come in, following the schedule laid out in the offer.
We start with a soft credit pull, so checking your options does not affect your score.
FICO scores from 500 are considered. We also weigh your store's deposit history heavily.
Example uses for illustration only.
Stores that do these things tend to see stronger limits.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding