Merchant Fund Express
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Emergency Funding for Convenience Stores

Break-ins, outages, storm damage. Get funds from $25,000 to repair, restock and reopen, with funding in as little as 24 hours for qualified stores.

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C-Store Emergencies

Get the doors open again quickly

Every closed hour costs a c-store sales and regulars. A short application and a fast decision help you move from damage to reopening.

As fast as
24 hours

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.

Emergency funding that moves at your pace

Fast decisions, minimal documents

Five minutes to apply plus three months of statements. Qualified stores can be funded in as little as 24 hours.

Bad timing, imperfect credit

FICO 500+ is considered. We start with a soft credit pull and focus on deposits.

No surprises after the crisis

Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.

Clear schedule from the start

The repayment schedule is in your offer, so you can plan your recovery around it.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Stores that never close still have bad days

A convenience store is often open early, late or around the clock, which means more hours for something to go wrong. A smash-and-grab through the front glass. A power outage that takes out the freezers. A storm that floods the back room. A burst pipe, a failed roof unit, or an insurance claim that will pay eventually but not this week.

Emergency funding for convenience stores is about speed and getting the doors open again. Every day closed is lost sales and regulars who find another habit.

What owners pay for first

  1. Securing the store: board-up, glass, locks, cameras.
  2. Replacing lost stock: spoiled cold product or stolen merchandise.
  3. Emergency repairs: electrical, plumbing, refrigeration, roofing.
  4. Keeping staff paid while the store is down or on reduced hours.
  5. Bridging an insurance gap while a claim is processed.

Choosing the right product under pressure

In an emergency, owners most often use working capital or a merchant cash advance because both are straightforward lump sums. If you already know you want backup money on hand for the next surprise, a business line of credit is worth setting up once things settle. If speed is the only question on your mind, see our page on fast funding for convenience stores.

Even when you are in a hurry, read the offer. It shows the full repayment amount and the schedule before you accept.

How fast this can move

Decisions move fast, and qualified businesses can be funded in as little as 24 hours. The application takes about 5 minutes and starts with a soft credit pull. Send about three months of business bank statements; no tax returns are needed. FICO scores from 500 are considered, and sole proprietors can apply. Apply now and focus on reopening.

After the immediate crisis

Once the store is open again, take stock. Check whether your insurance covers business interruption and file everything you can. Look at what would have made this emergency easier: a backup generator, better cameras, a maintenance contract on the refrigeration system, or a line of credit set up in advance. Review the repayment schedule from your offer against your normal weekly deposits so there are no surprises as you recover. Most stores bounce back quickly when the doors reopen fast and regulars see the lights on.

Frequently Asked Questions

Can I get same-day funding after an emergency?

We do not promise same-day funding. Decisions move fast, and qualified businesses can be funded in as little as 24 hours.

Can I apply while waiting on an insurance claim?

Yes. Many owners use funding to cover repairs and restocking while a claim is still being processed.

What if my store was closed for a few days?

Funders look at deposits over about three months and weigh the full picture, including what caused a short interruption.

What do I need to apply?

A 5-minute application and about three months of business bank statements. No tax returns are required.

How much is available?

Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.

Glass and locks $6,500.00
Spoiled stock $15,000.00
Freezer repair $12,500.00
Payroll while closed $20,000.00

Example uses for illustration only.

How to improve your chances

A little preparation makes an emergency easier to fund.

  • Keep recent bank statements easy to download
  • Document damage with photos and repair quotes
  • Notify your insurer right away
  • Set up a line of credit before the next surprise

Emergency funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Decision speed
Fast
Weeks
Documents
About 3 months of statements
Returns and financials
Credit
FICO 500+ considered
High scores expected
Funding
As little as 24 hours if qualified
Slow closing
Initial credit check
Soft pull
Hard pull

Get back to business

One secure application. A soft credit pull to start. No obligation to accept an offer.

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