Cover rent, refrigeration, payroll and distributor bills when traffic dips. $25,000 to $5,000,000 to carry you to busier weeks.
Plan for the DipGrocery Slow-Season Funding
The coolers run the same in a slow month as a busy one. We help grocers carry fixed costs until sales pick back up.
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 to apply and three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. Your deposit history is weighed alongside your score.
Your offer lists the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is laid out in your offer, so you can check it against your slowest weeks.
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.
People always need food, so grocery stores feel less seasonal than many retailers. Owners know better. Traffic drops after the holiday rush, college towns empty out in summer, tourist areas swing with the season, and neighborhood stores feel it when SNAP timing or local layoffs shift spending. Fixed costs do not follow those dips. Rent, utilities for coolers and freezers, insurance and core staff stay the same while deposits soften. Slow-season funding for grocery stores bridges those months.
Funders review about three months of bank statements, so it helps to know what those months show. If you apply during the dip, they see lower deposits; if you apply before it, they see the stronger stretch. Neither is wrong, but planning ahead usually gives you more room. They also weigh existing obligations. A seasonal pattern by itself is common in retail and is part of the picture rather than the whole story. FICO 500+ is considered.
A one-time cushion for a known slow stretch often fits working capital for grocery stores. If the dip comes back every year, a business line of credit for grocery stores can stay open for when you need it. Revenue-based financing ties payments to sales, which some owners prefer when volume rises and falls. Before choosing, look at how payments will feel during your lightest weeks, not your best ones.
The application takes about 5 minutes with a soft credit pull to start. No tax returns are required and sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses.
Ideally a few weeks before the dip, while your recent statements reflect stronger months. You can still apply during the slow stretch.
Deposits are a main factor, so a slower period can affect the amount. Existing obligations matter too.
Yes. Many owners use them for distributor payments as well as rent, payroll and utilities.
Working capital for a one-time gap, a line of credit for a recurring pattern, or revenue-based financing if you want payments tied to sales.
No. About three months of business bank statements and a short application are enough to start.
Yes. Sole proprietors can apply. The review looks at your business deposits and existing obligations over about three months, so keeping store sales in a dedicated business account makes the seasonal pattern easier to read and gives a funder a clearer view.
Example uses for illustration only.
Planning around the season makes a slow stretch easier to fund and repay.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding