Thin margins and pay-on-delivery vendors keep cash tight. Working capital from $25,000 helps stores stock up, fix coolers and ride out slow weeks.
Get My OfferConvenience Store Cash Flow
Every dollar in a convenience store cycles through the shelves. Funding sized to your deposits gives you room for bigger orders and equipment repairs.
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 plus about three months of bank statements. Qualified stores can be funded in as little as 24 hours.
FICO scores from 500 are considered. Steady daily deposits carry weight.
Your offer shows the full repayment amount before you accept, so there are no surprise costs after you sign.
The repayment schedule is in your offer from the start, so you can plan it around delivery days.
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.
A convenience store can ring up a lot of transactions and still have very little left over each week. Margins on many staples are slim, so the store depends on turning inventory quickly. Distributor and route-sales deliveries often want payment on delivery or on short terms, and some products, like tobacco, are expensive to stock relative to their margin.
That means cash is constantly being converted into inventory. A delayed card deposit, an unexpected cooler repair or a weak weekend can tighten things fast.
Write down every regular vendor, the day they deliver, and how they are paid. Then match it against when your deposits settle. Many owners discover that three big deliveries land in the same two days each week, right before card settlements catch up. Moving even one order day can smooth the week considerably.
Also watch for slow movers. Product that sits on the shelf for weeks is cash you cannot use for faster sellers.
Walk-in coolers, reach-in doors, ice machines, roller grills and point-of-sale systems are the backbone of the store. When one fails, you lose sales and sometimes inventory too. Setting aside a repair reserve helps, and for larger replacements, equipment financing for convenience stores keeps the purchase from eating your inventory budget.
Stores near highways, beaches, schools or stadiums often see clear seasonal patterns. Summer may bring heavy beverage and ice sales while winter slows. Others see a lift around holidays. Review a full year of deposits to spot your pattern and stock accordingly. Ordering heavier ahead of your best weeks, and lighter going into your slowest, keeps cash from sitting on the shelf when traffic drops.
Outside funding is a tool for specific moments: stocking up before a busy season, taking a volume deal from a distributor, remodeling the coffee bar, or bridging a slow stretch so shelves stay full. We offer working capital for convenience stores and inventory funding from $25,000 to $5,000,000.
We review about three months of business bank statements, consider FICO scores from 500, and do not require tax returns. Sole proprietors can apply. Start in about 5 minutes with a soft credit pull, and qualified stores can be funded in as little as 24 hours.
Yes. Pre-season inventory is a common use, especially for beverages and ice in warmer months.
We look at the deposits in your business bank statements. Since some pass-through sales carry little margin, it helps to explain how your revenue breaks down.
It depends mainly on your deposits and existing obligations. Funding ranges from $25,000 to $5,000,000.
FICO scores from 500 are considered. Your deposit history is a major part of the review.
About three months of business bank statements and a short application. No tax returns are required.
Example uses for illustration only.
Store owners can strengthen both cash flow and their funding file with a few changes.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding