Merchant Fund Express
(305) 384-8391Apply

Industry

Convenience stores funding by state and city

Immediate receipts against inventory carried on short vendor terms.

Apply NowDo I Qualify?

✓ Checking what you qualify for does not affect your credit score.

47States
500sScores placed
$10K–$350KRange
Same dayDecision

Why convenience stores qualify

Convenience stores are classified under Convenience Retailers, an eligible category.

Immediate receipts against inventory carried on short vendor terms.

What the capital is normally for

In practice: inventory, coolers, fuel pumps, POS, store refresh, a second site.

Steady, with fuel price swings moving deposits more than footfall does.

The published thresholds

Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.

Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.

Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.

The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.

Line of credit $10,000 to $350,000, from 1% per month on the drawn balance, 2.49% per draw
Term loan $10,000 to $250,000, 0% origination, weekly payments
MCA refinance $10,000 to $100,000
Same-day decision, next business day funding on a complete file
Funding in all 50 US states.

Questions

Do you fund convenience stores?

Yes. The category is eligible.

What credit score is needed?

The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.

How fast can funding arrive?

Same-day decision, next business day funding on a complete file.

See what you qualify for

Same-day decision. Applying takes a few minutes and will not affect your credit score.

Apply Now →

Related

Convenience stores funding in AlabamaConvenience stores funding in AlaskaConvenience stores funding in ArizonaConvenience stores funding in ArkansasConvenience stores funding in CaliforniaConvenience stores funding in ColoradoConvenience stores funding in ConnecticutConvenience stores funding in DelawareConvenience stores funding in FloridaConvenience stores funding in GeorgiaConvenience stores funding in HawaiiConvenience stores funding in IdahoConvenience stores funding in IllinoisConvenience stores funding in IndianaConvenience stores funding in IowaConvenience stores funding in KansasConvenience stores funding in KentuckyConvenience stores funding in LouisianaConvenience stores funding in MaineConvenience stores funding in MarylandConvenience stores funding in MassachusettsConvenience stores funding in MichiganConvenience stores funding in MinnesotaConvenience stores funding in MississippiConvenience stores funding in MissouriConvenience stores funding in MontanaConvenience stores funding in NebraskaConvenience stores funding in NevadaConvenience stores funding in New HampshireConvenience stores funding in New JerseyConvenience stores funding in New MexicoConvenience stores funding in New YorkConvenience stores funding in North CarolinaConvenience stores funding in North DakotaConvenience stores funding in OhioConvenience stores funding in OklahomaConvenience stores funding in OregonConvenience stores funding in PennsylvaniaConvenience stores funding in Rhode IslandConvenience stores funding in South CarolinaConvenience stores funding in South DakotaConvenience stores funding in TennesseeConvenience stores funding in TexasConvenience stores funding in UtahConvenience stores funding in VermontConvenience stores funding in VirginiaConvenience stores funding in WashingtonConvenience stores funding in West VirginiaConvenience stores funding in WisconsinConvenience stores funding in WyomingConvenience stores funding in New York City, NYConvenience stores funding in Los Angeles, CAConvenience stores funding in Chicago, ILConvenience stores funding in Houston, TXConvenience stores funding in Phoenix, AZConvenience stores funding in Philadelphia, PAConvenience stores funding in San Antonio, TXConvenience stores funding in San Diego, CAConvenience stores funding in Dallas, TXConvenience stores funding in Austin, TXConvenience stores funding in Jacksonville, FLConvenience stores funding in Miami, FLConvenience stores funding in Atlanta, GAConvenience stores funding in Denver, COConvenience stores funding in Las Vegas, NV
Apply NowCall