Merchant Fund Express
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Expansion Funding for Convenience Stores

Add cooler doors, a food counter or a second location. Funding from $25,000 to $5,000,000 based on how your current store performs.

Plan My Growth

C-Store Expansion

Grow on the strength of the store you already run

Your deposits tell the story. We use them to size expansion funding so you can build without starving day-to-day operations.

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.

Expansion funding built for operators

Quick review, little paperwork

A 5-minute application and three months of statements, with funding in as little as 24 hours for qualified stores.

Flexible on credit

FICO 500+ considered after a soft pull. Consistent deposits matter a lot.

Transparent total cost

Your offer shows the full repayment amount before you accept. Nothing new shows up after you sign.

Repayment laid out ahead of time

The schedule is in your offer so you can plan it alongside buildout and opening costs.

Cash flow tight this month?

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.

Growing a store that is already working

Once a convenience store has steady traffic, the next step is usually obvious to the owner: add a hot food counter, put in more cooler doors, remodel the layout, add fuel or car wash service, or open a second location across town. The hard part is paying for it without starving the store that funds everything.

Expansion funding for convenience stores is for established operators who want to grow on the strength of their current deposits.

Ways owners expand

Inside the four walls

More cooler doors, a coffee bar, a deli or grab-and-go case, better lighting, new shelving and a smarter checkout layout can all lift the average ticket.

New revenue lines

Some stores add services like lottery, money orders, a small car wash or an expanded beer cave, subject to whatever licensing applies in their area.

A second store

Lease deposits, buildout, opening inventory and early payroll for a new location add up quickly. A larger funding amount can cover several of those costs at once.

Which product suits the project

For buying coolers, food equipment or a car wash system, equipment financing ties the funding to the equipment. For buildout, deposits and opening stock, working capital is more flexible. Projects that roll out in stages fit a line of credit. Every offer shows the full repayment amount and schedule before you accept.

Getting started

We fund from $25,000 up to $5,000,000, and the amount depends mainly on your deposits and existing obligations. The application takes about 5 minutes, begins with a soft credit pull, and asks for about three months of business bank statements. No tax returns are required, FICO scores from 500 are considered, and sole proprietors can apply. Apply here to see what your store could support.

Sequencing the project

Expansions that go smoothly usually happen in a clear order. Price the buildout, equipment and opening inventory separately. Confirm permits and any licensing for new product lines before spending on equipment. Line up staffing so a new food counter or second store opens with trained people instead of whoever is available. Then decide how much of the project to fund and how much to cover from store cash. Keeping a reserve for the first few months matters, because new revenue rarely shows up at full speed on opening day.

Frequently Asked Questions

Can I use expansion funding to open a second convenience store?

Yes, the funds can go toward costs like lease deposits, buildout and opening inventory. The amount is based mainly on your current store's deposits and obligations.

Do I need a business plan?

A plan is useful for you, but we do not require one to apply. We look mainly at about three months of business bank statements.

What is the most a store can get?

Funding goes up to $5,000,000. Larger amounts generally require larger, steady deposits and room alongside existing obligations.

Is equipment financing better than working capital for expansion?

It depends on what you are buying. Equipment financing fits specific equipment; working capital fits mixed costs like buildout, staff and stock.

Does applying affect my credit?

We start with a soft credit pull, which does not affect your score.

Cooler doors $38,000.00
Hot food counter $55,000.00
Second location $250,000.00
Store remodel $90,000.00

Example uses for illustration only.

How to improve your chances

Strong expansion requests tend to share a few traits.

  • Price out the project before choosing an amount
  • Show steady deposits at your current store
  • Keep existing obligations manageable
  • Separate project costs from daily expenses

Expansion funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Funding range
$25,000 to $5,000,000
Depends on collateral
Documents
About 3 months of statements
Plans, returns, projections
Credit
FICO 500+ considered
Strong credit usually required
Speed
As little as 24 hours if qualified
Weeks to months
First credit check
Soft pull
Hard pull

Take your store to the next level

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

Apply for Funding
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