Keep cashiers, stockers and deli staff paid on time even when a distributor bill or slow week lands first. $25,000 to $5,000,000.
Cover PayrollGrocery Store Payroll Funding
Grocery margins leave little slack when vendor bills and payday collide. We help owners keep both sides paid on schedule.
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.
About 5 minutes and three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered, alongside the steady deposits a grocery store produces.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Your schedule is in the offer up front, so you can plan it around vendor terms.
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.
A grocery store runs on thin margins and constant restocking. Produce, dairy and meat orders go out several times a week, distributors want payment on delivery or short terms, and payroll comes due every week or two no matter what. When a big vendor invoice, a cooler failure or a slow holiday week lands right before payday, owners face a bad choice between short-paying a supplier and short-paying the people who run the store. Payroll funding for grocery stores is meant to remove that choice.
Funders look mainly at your recent bank deposits and what you already owe. Grocery stores tend to have steady daily card and cash deposits, which gives a clear picture of the business. They also see how much goes back out to suppliers. FICO 500+ is considered, and the review does not hinge on a single number. We ask for about three months of business bank statements and no tax returns.
If payroll pressure shows up once or twice a year, working capital for grocery stores covers the gap in one go. If it happens most months because of how your vendor terms fall, a business line of credit lets you draw only what each cycle needs. Stores with heavy card sales sometimes prefer a merchant cash advance, where repayment moves with sales. Our grocery store cash flow guide covers the timing side in more depth.
Our application takes about 5 minutes and begins with a soft credit pull. Sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses, and your offer shows the full repayment amount and schedule before you accept.
You can use them for payroll, payroll taxes, or the vendor bills that would otherwise crowd payroll out. Most owners use them for a mix.
Funding can arrive in as little as 24 hours for qualified businesses. Applying a few days ahead of payday gives you breathing room.
No. The review looks at your deposits and existing obligations, not your headcount.
If the gap repeats most months, a line usually fits better because you draw only what you need each cycle.
We start with a soft credit pull, so checking your options does not begin with a hard inquiry.
About three months of business bank statements and basic details about your store. No tax returns are required. Having statements downloaded before you start keeps the process moving, which matters when payday is close.
Example uses for illustration only.
Some habits make payroll gaps rarer and funding easier to size.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding