Restock, repair or remodel. Compare a reusable credit line with a lump-sum advance. Funding from $25,000 and FICO 500+ considered.
Check My OptionsC-Store Funding Comparison
Inventory cycles and one-time projects need different funding. We lay out both options so you can pick the one that fits your store.
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 roughly three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, starting with a soft credit pull that will not affect your score.
See the total repayment amount in your offer before you accept. No surprise costs after you sign.
Your schedule is laid out in the offer up front so you can plan around delivery days.
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 convenience store sees money come in every hour and go out on delivery day. Beverage, snack and tobacco vendors want payment on their schedule, while your register fills on the customer's. When a cooler dies or a big holiday weekend needs extra stock, most owners end up comparing a line of credit with a merchant cash advance.
A line gives you a limit to draw on and refill. That fits inventory cycles: pull funds to stock up ahead of summer or a long weekend, then pay it down as product sells. It is also handy for the small surprises that keep coming, like a broken ice machine or a lottery terminal deposit.
Read more on our business line of credit for convenience stores page, or see inventory funding for convenience stores.
An advance puts one lump sum in your account, repaid from future sales. Stores with heavy card volume often like how it lines up with what comes through the register. It works best for single, larger projects:
See merchant cash advance for convenience stores.
Ask what the money is for. If you will need it again and again in different amounts, a line usually makes more sense. If you have one project with a price tag, an advance is simpler to plan around. In both cases the offer spells out the full repayment amount and schedule before you accept, so there is no guesswork on what you owe.
Thin margins are normal in this business. Funders focus on the consistency of your deposits more than any single slow week.
We provide $25,000 to $5,000,000 to established stores with steady deposits. The application takes about 5 minutes and begins with a soft credit pull. We review around three months of business bank statements, with no tax returns required. FICO 500+ is considered and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours. Start here.
Funders weigh how steady your deposits are and what obligations you already carry. Thin margins are typical for c-stores and are considered as part of the overall picture.
What counts is what gets deposited in your business bank account. Depositing cash sales regularly gives a fuller view of your store's revenue.
A line of credit often suits seasonal restocking because you can draw what you need and pay it down as product sells.
Yes, decisions move fast and funding can arrive in as little as 24 hours for qualified businesses.
No. About three months of business bank statements and the short application are what we review.
Example uses for illustration only.
Small changes can make your store's cash flow easier for any funder to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding