Merchant Fund Express
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Funding for a Big Contract for Grocery Stores

Won a standing supply order or a large event deal? Get $25,000 to $5,000,000 to buy the stock and staff up before invoices clear.

Fund the Deal

Grocery Contract Funding

Fill the big order while keeping your own shelves stocked

Supply contracts bring steady volume but pay later. We help grocers carry the product, delivery and labor until the customer pays.

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.

Help for grocers taking on bigger orders

Quick to apply, light on documents

About 5 minutes plus three months of statements. Funding in as little as 24 hours for qualified businesses.

Credit is one factor

FICO 500+ is considered, with deposit history weighed alongside your score.

Full cost up front

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Repayment you can map out

The schedule is laid out in your offer, so you can line it up with your customer's payment terms.

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.

When a grocery store wins a supply deal

Not every grocery sale happens at the register. Neighborhood markets land standing orders from daycares, senior centers, churches, restaurants that run short between deliveries, corporate break rooms and caterers. Specialty and international grocers often supply other small stores or restaurants with hard-to-find items. These deals add volume, but they usually pay on invoice, often weeks after delivery. You buy the product and pay the staff first. Funding for a big contract for grocery stores carries you through that wait.

Costs that come before the first payment

Sizing it to the gap, not the contract

The useful number is how much you will spend before the customer pays you, not the full contract value. Look at the billing terms, how many deliveries happen before the first invoice clears, and how much extra stock you carry at a time. For illustration, a store supplying a group of daycares that pays monthly might need to carry about a month of product and labor, while a one-time event order might only need the stock for that event. Funders weigh your recent deposits and existing obligations to decide what fits.

Picking a product

Repeating monthly invoices pair well with a business line of credit for grocery stores, since you draw each cycle and repay as invoices clear. A single large order or ramp-up often fits working capital. If you are weighing the two against a cash advance, see line of credit vs. merchant cash advance for grocery stores.

Apply now

Our application takes about 5 minutes and starts with a soft credit pull. Send about three months of business bank statements; no tax returns are required. FICO 500+ is considered, sole proprietors can apply, and funding can arrive in as little as 24 hours for qualified businesses.

Frequently Asked Questions

What counts as a big contract for a grocery store?

Standing supply orders for daycares, senior centers, restaurants, offices, caterers or other retailers, plus large one-time event orders.

Do you need to see the contract?

It helps you size the request, but the review focuses on your bank deposits and existing obligations.

Can funds cover a delivery vehicle?

Yes. Some owners use working capital for delivery costs, and equipment financing can suit a vehicle or cold storage purchase.

What if the customer pays slowly?

Size the request to the full wait between delivery and payment, and check the repayment schedule in your offer against that timing.

How soon can I be funded?

Funding can arrive in as little as 24 hours for qualified businesses.

Should I keep contract inventory separate?

It helps. Tracking contract stock apart from shelf stock shows you the true cost of serving the deal and keeps regular shoppers from finding empty shelves. It also makes it easier to judge whether the contract is worth renewing.

Contract stock $50,000.00
Refrigerated van $65,000.00
Packing labor $20,000.00
Extra cold storage $30,000.00

Example uses for illustration only.

How to improve your chances

These steps help a supply contract stay profitable while you wait to be paid.

  • Confirm billing terms in writing
  • Price deliveries into the contract
  • Keep contract product separate from shelf stock
  • Invoice promptly after each delivery

Contract funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Review focus
Recent bank deposits
Collateral and returns
Application
About 5 minutes
Lengthy paperwork
Funding
As little as 24 hours if qualified
Weeks in most cases
Credit
FICO 500+ considered
Strong credit required
Credit check
Soft pull to start
Hard pull common

Take the contract with confidence

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

Apply for Funding
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