Funding for your situation
What decides whether a liquor store with an open advance can add more funding, what a review compares, and a worked example.
✓ Checking what you qualify for does not affect your credit score.
An open advance changes which products fit a liquor store, not whether the conversation can happen. Frequent card deposits, with distributor payments often due before the next sale. The daily or weekly debit is already part of that picture.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
Frequent card deposits, with distributor payments often due before the next sale. A reviewer sees that pattern in the statements before reading a word of the application.
Equipment is part of the picture. A failure such as a walk-in cooler or a pos can run $6,200 to $6,200 and interrupt revenue while it is down.
The documents that usually matter most for a liquor store are a purchase agreement or distributor quote and license documentation, alongside the bank statements.
Holidays, summer and local events create peaks, and inventory is bought ahead. For a liquor store, that rhythm decides when a funding request reads best and how it should be repaid.
Balance, debit and payment history, and what it financed: cooler and shelving.
Frequent card deposits, with distributor payments often due before the next sale.
Negative days, NSFs and the average daily balance, read against holidays, summer and local events create peaks, and inventory is bought ahead.
Second position, renewal or refinance, depending on how much has been paid down.
| Item | Illustrative amount |
|---|---|
| Position 1: taken for cooler and shelving (remaining balance, illustrative) | $57,000 |
| Position 1 weekly debit | $3,000 |
| Average weekly deposits at a liquor store (illustrative) | $30,000 |
| Debit as a share of weekly deposits | about 10% |
| New need under discussion: a walk-in cooler or a new second store (illustrative) | $45,000 |
| Whether a second position fits | decided by negative days, NSFs and the average daily balance |
What a review compares. The remaining balance, the share of deposits already committed and how the account has behaved. Read negative days and NSFs and second position funding.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Often, depending on position count and account behavior. Look at second position funding, renewals and MCA refinance. Merchant Fund Express reviews the file the same day it is complete.
A second position sits behind the first on the same revenue. A renewal comes after the first is substantially paid down. See first position vs second position.
Three months of business bank statements, the existing agreement or a payoff letter, and a purchase agreement or distributor quote.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
