Perishables, vendor terms and refrigeration costs keep cash moving fast. Plan by department and fund the gaps that make sense.
See My OptionsGrocery Store Cash Flow
From $25,000 for established grocers with steady deposits. About three months of bank statements, FICO 500+ considered, no tax returns.
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.
A 5-minute application and three months of statements. Qualified stores can be funded in as little as 24 hours.
FICO 500+ is considered. A soft credit pull gets things started.
The full repayment amount is in your offer up front. No surprise costs after you sign.
Your repayment schedule is set out in the offer before you commit.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Independent grocers see money every day, which is a real advantage. The challenge is that it goes back out almost as fast. Produce, dairy, meat and bakery orders cycle constantly. Some distributors want payment on delivery while others give short terms. Shrink from spoilage eats margin quietly, and a single refrigeration failure can cost a week of inventory.
Good grocery stores cash flow comes from matching vendor terms to how fast each department sells.
Compressors, walk-in coolers, freezer cases and POS systems are not optional. Put them on a maintenance plan and keep a reserve. When equipment truly needs replacing, equipment financing for grocery stores can spread the cost over time instead of draining operating cash.
Holiday weeks and community events can double certain orders. Plan for them a few weeks out. Our grocery store inventory funding page explains how stores fund those builds without shorting regular vendors.
Pick one morning a week to review cash. List vendor payments due in the next seven days, payroll, rent and anything scheduled for repair. Compare that against expected deposits from the past few weeks. If the numbers are tight, adjust orders in center store first, where shelf life gives you room, and protect fresh departments that bring customers through the door. For illustration, a store that trims a dry grocery order by a few days of supply can often cover a short gap without missing a produce delivery.
Merchant Fund Express offers working capital for grocery stores, lines of credit and merchant cash advances from $25,000 to $5,000,000. We review about three months of business bank statements, consider FICO 500+, and start with a soft credit pull. No tax returns. Apply in about 5 minutes.
Deposits that land in your business bank account appear in your statements, and we look at that full picture when reviewing.
Equipment financing or working capital can be used for refrigeration. The amount depends mainly on deposits and existing obligations.
Bank statements are the core document. We may ask follow-up questions, but there are no tax returns required.
Qualified businesses can be funded in as little as 24 hours after approval and signing.
Yes. Your offer shows the full repayment amount and schedule before you accept.
If the need repeats every holiday and every summer, a line of credit lets you draw what each build requires. If it is a one-time project like a deli expansion, working capital may be simpler. We can walk through both once we see your statements.
Example uses for illustration only.
These habits make a grocery store easier to run and easier to fund.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding