Merchant Fund Express
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Expansion Funding for Liquor Stores

Open a second location, remodel the floor, add cooler doors or launch delivery. Funding from $25,000 based on your store's deposits.

Fund My Growth

Liquor Store Expansion

Turn a strong store into a bigger one

Your current store's steady deposits are the foundation. We turn them into growth capital with the full cost shown before you accept.

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.

Growth capital for retailers

Fast and light on paperwork

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

Flexible on credit

FICO scores from 500 are considered. Your deposit history matters as much as your score.

Full cost disclosed

Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.

A schedule you can plan on

The repayment schedule is laid out up front so you can model it against your opening timeline.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

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.

Growth that fits a liquor store

Growing a liquor store can take many shapes. You might add cooler doors and a walk-in so you can carry more cold beer. You might knock down a wall to expand the floor, build a tasting area, or redo the lighting and shelving so the store feels more inviting. Some owners add online ordering and local delivery where permitted. Others are ready for a second location.

Each project needs capital before it pays off. Our expansion funding puts that capital in place, based on the deposits your current store already generates.

Projects owners fund with us

For coolers and fixtures specifically, compare equipment financing for liquor stores.

How we evaluate an expansion

We are built for established businesses with steady deposits. We review about three months of business bank statements and your current obligations. Your existing store's cash flow carries repayment while the new project ramps up, so that is what we focus on. No tax returns are required, and we start with a soft credit pull. FICO scores from 500 are considered, and sole proprietors can apply.

Funding ranges from $25,000 to $5,000,000.

Think through permits and timing

Expansions in this industry often involve licensing, zoning or landlord approvals that are outside our control. Get those lined up before you take on funding, so you are not repaying for a project that is stuck waiting. Then compare the repayment schedule and full repayment amount in your offer with your expected timeline to opening.

Our liquor store cash flow guide can help you plan, and how liquor stores qualify explains what funders look at.

Ready to grow?

Apply in about 5 minutes and see what your deposits support.

Frequently Asked Questions

Can I get expansion funding for a second liquor store?

Yes. We size funding from the deposits of the store you already run, which supports repayment while the new location builds up.

Can I use funding for a remodel?

Yes. Shelving, lighting, flooring, coolers and layout changes are all common uses.

Do you help with liquor licensing?

No. Licensing and permits are handled through your local authorities. We provide business funding.

How much can I get?

Funding runs from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.

Can I fund an expansion in phases?

Yes. Some owners fund the cooler work first and the remodel later. A business line of credit can also let you draw as each phase begins instead of taking it all at once.

Can I use the money to buy out a business partner?

Yes. Some owners use funding to purchase a partner's share as part of growing the business.

Beer cave $95,000.00
Floor remodel $70,000.00
Second location $250,000.00
Delivery setup $30,000.00

Example uses for illustration only.

How to improve your chances

Expansion requests go smoother when owners prepare these.

  • Line up permits and landlord approvals first
  • Write a simple project budget with a cushion
  • Track monthly deposits to show steady growth
  • Keep current obligations paid on time

Expansion funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Paperwork
About 3 months of statements
Plans, returns, projections
Speed
As little as 24 hours if qualified
Often months
Credit
FICO 500+ considered
Strong credit required
Amount range
$25,000 to $5,000,000
Varies widely
Starting check
Soft credit pull
Hard pull up front

Build the store you have been planning

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

Apply for Funding
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