Merchant Fund Express
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Emergency Funding for Grocery Stores

Outage, cooler failure, storm damage or a sudden cash gap? Get a fast decision on $25,000 to $5,000,000 and keep the doors open.

Get Funding Fast

Grocery Emergency Funding

Restock, repair and reopen without waiting on a claim

Perishables do not wait for paperwork. We help grocery owners cover urgent repairs, lost stock and cash gaps quickly.

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 when the store cannot wait

Fast, with minimal paperwork

A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.

Flexible credit review

FICO 500+ is considered, with your pre-emergency deposits weighed alongside your score.

Clear costs before you accept

The full repayment amount is in your offer before you accept. No surprise costs after you sign.

Predictable repayment

Your offer lays out the repayment schedule up front, so you can plan the recovery.

Need capital this week?

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.

A grocery emergency has a short fuse

Most businesses can wait a few days to fix a problem. A grocery store often cannot. A power outage, a storm, a refrigeration failure or a burst pipe can put thousands of dollars in perishables at risk within hours, and customers who cannot find milk or meat go somewhere else. Other emergencies are about cash: a key distributor tightens terms, a tax bill comes due, or a break-in empties the register and damages the front. Emergency funding for grocery stores is about getting money in place while you deal with the problem.

What grocers fund in a crunch

Act fast, but size it carefully

In an emergency it is tempting to take whatever is offered. A better approach is to list what you actually need: the repair quote, the stock to rebuild shelves, a cushion for lost sales during the fix. Then compare the offer's full repayment amount and schedule against your normal weekly deposits. Every offer shows both before you accept. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

Which product fits

For a one-time hit, working capital for grocery stores or a merchant cash advance can move quickly. A failed unit that needs replacing may suit equipment financing. After the emergency passes, many owners open a business line of credit so the next surprise has a ready cushion.

Getting the process started

The application takes about 5 minutes and begins with a soft credit pull. We ask for about three months of business bank statements and no tax returns. FICO 500+ is considered and sole proprietors can apply. Funders weigh recent deposits and existing obligations, so a store with steady sales before the emergency has a clear picture to show.

Frequently Asked Questions

How quickly can emergency funding arrive?

Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

Can I apply while my insurance claim is open?

Yes. Many grocers fund repairs and restocking now rather than wait for a claim to settle.

Will one bad week of sales hurt my application?

Funders look at about three months of deposits, so a single bad week is seen in context alongside your existing obligations.

Can I use the funds to replace spoiled inventory?

Yes. Restocking after an outage or cooler failure is one of the most common uses.

Does applying require a hard credit check?

No. We start with a soft credit pull.

Can sole proprietors get emergency funding?

Yes. Sole proprietors can apply. The application takes about 5 minutes, and the review focuses on your recent business deposits and any existing obligations, so steady sales before the emergency are the most useful thing to show.

Spoiled stock $22,000.00
Generator $31,000.00
Water damage $39,000.00
COD supplier bills $27,000.00

Example uses for illustration only.

How to improve your chances

Some preparation can soften the next emergency.

  • Keep a generator plan for refrigeration
  • Photograph stock levels for insurance records
  • Keep recent bank statements easy to pull
  • Set up a line of credit before you need it

Emergency funding vs. a bank loan

Merchant Fund Express
Traditional bank loans
Decision speed
Fast decisions
Weeks of review
Funding
As little as 24 hours if qualified
Rarely quick
Documents
About 3 months of statements
Returns and financials
Credit
FICO 500+ considered
Strong credit expected
Initial check
Soft credit pull
Hard pull common

Get your store back on its feet

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

Apply for Funding
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