Merchant Fund Express
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Equipment Financing for Liquor Stores

Replace the walk-in, add merchandisers or upgrade POS and security without emptying your inventory budget. Funding in as little as 24 hours for qualified stores.

Finance Equipment

Equipment Financing

Keep it cold, secure and scanning

Coolers, scanners and cameras keep a liquor store selling. Financing spreads the cost so cash stays available for the next distributor order.

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.

Equipment financing without the bank runaround

Fast and light on paperwork

A 5-minute application plus about three months of statements. No tax returns required.

Credit flexibility

FICO 500+ is considered, and we start with a soft pull so you can check options safely.

Total cost up front

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

Predictable payments

The repayment schedule is laid out in the offer so you can budget around it from day one.

Waiting on deposits to land?

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.

The machines that keep a liquor store selling

Cold beer sells, warm beer sits. That is why the walk-in cooler and the glass-door merchandisers are often the hardest-working assets in a package store. Add the POS terminals, ID scanners, security cameras and shelving, and a store can carry a surprising amount of equipment. Equipment financing for liquor stores lets you replace or add those pieces without draining the cash you need for inventory.

Equipment we commonly see financed

If a unit has already failed and you need a fix rather than a replacement, our liquor store equipment repair funding page covers that situation.

Why owners finance instead of paying cash

Paying cash for a new cooler can leave the shelves thin right when the new cooler is ready to fill. Financing spreads the cost so you keep money on hand for distributor orders and payroll. It also helps when equipment is part of a larger plan, like adding a craft beer cave or opening a second location. Our liquor store expansion funding page walks through bigger projects.

How the process works

  1. Complete the 5-minute application and share about three months of business bank statements.
  2. We start with a soft credit pull. FICO scores from 500 are considered.
  3. Review an offer that shows the full repayment amount and the schedule up front.
  4. Qualified stores can be funded in as little as 24 hours.

No tax returns are required, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, sized mainly by your deposits and existing obligations. Apply for equipment financing.

Timing an upgrade

Refrigeration installs are easier in the cooler months, before summer beer demand peaks, and POS changes go smoother after the holiday rush. Lining up financing ahead of those windows lets the vendor schedule work when it disrupts sales the least.

Sizing the request

Start with the vendor quote, then add delivery, installation, electrical work and any permits the job requires. Refrigeration projects in particular can grow once an installer sees the space. For illustration, a store replacing one glass-door unit needs far less than a store rebuilding a walk-in and adding a beer cave. Asking for the full project cost up front avoids a second application later. Your offer will reflect your deposits and existing obligations, and you will see the full repayment amount before deciding.

Frequently Asked Questions

Can I finance used or refurbished equipment?

Tell us what you plan to buy in the application. We look at the purchase alongside your deposit history to shape the offer.

Does the equipment need a vendor quote?

A quote helps us size the offer to the actual project, so it is worth having one ready when you apply.

How much can I finance?

Our funding ranges from $25,000 to $5,000,000. The amount depends mainly on your store's deposits and existing obligations.

Will a lower credit score stop me?

Not on its own. FICO scores from 500 are considered, and your deposit history carries significant weight.

Walk-in cooler $32,000.00
Glass-door units $16,000.00
POS and scanners $11,000.00
Camera system $8,500.00

Example uses for illustration only.

How to improve your chances

A little preparation can help your equipment offer.

  • Get a written quote from your equipment vendor
  • Keep three months of clean bank statements ready
  • Show steady deposits through one business account
  • Explain how the new equipment supports sales

Equipment financing: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Multi-page loan package
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Higher scores expected
Speed
As little as 24 hours if qualified
Weeks for approval
Initial credit check
Soft pull
Usually a hard pull

Upgrade your store's equipment

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

Apply for Funding
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