Merchant Fund Express
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Inventory Funding for Liquor Stores

Stock up for the holidays, take volume deals from your distributor and grow your selection. 5-minute application, about three months of statements.

Fund My Inventory

Liquor Store Inventory

Have the right bottles on the shelf when it counts

Distributors want payment up front. Customers buy over weeks. We fund the difference based on your store's deposits.

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.

Inventory funding built for retail

Quick, paper-light

Apply in about 5 minutes with roughly three months of bank statements. Funding in as little as 24 hours for qualified businesses.

Credit is one factor

FICO scores from 500 are considered. Steady daily deposits work in your favor.

No hidden costs

Your offer shows the full repayment amount before you accept. Nothing surprising appears after you sign.

Repayment you can map

The repayment schedule is in your offer up front, so you can match it to how fast stock sells.

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.

Inventory is where your cash lives

For most liquor stores, inventory is the single biggest use of cash. Shelves of spirits, wine and beer represent money already spent, waiting to sell. Distributors may offer better pricing on larger orders, and the holiday season rewards stores that have the right bottles in stock before customers come looking. But buying deep means paying today for product that sells over the coming weeks.

Inventory funding from us gives you the cash to buy when the timing is right, with repayment that follows as the product moves.

Common inventory moves

How funding is sized

We look at about three months of business bank statements to see your deposit pattern and current obligations. A liquor store's frequent daily deposits give us a strong read on revenue. We do not require tax returns. We start with a soft credit pull, consider FICO scores from 500 and accept applications from sole proprietors.

Funding ranges from $25,000 to $5,000,000. For illustration, a store stocking up for the holidays might request enough to cover its largest distributor orders for the season, not its whole year of purchasing.

Buy what will sell

Inventory funding works when the product turns. Use your POS data to see which items move fastest and which collect dust. Put the money toward proven sellers and seasonal demand, and be cautious with slow-moving premium stock. Your offer shows the full repayment amount and schedule before you accept, so you can check it against how quickly the order will sell through.

For repeated stocking cycles, a business line of credit for liquor stores may fit better. Stores with heavy card sales can compare a merchant cash advance for liquor stores.

Stock up before the rush

Apply in about 5 minutes and know your number before your next distributor order.

Frequently Asked Questions

When should I apply for holiday inventory funding?

Before your distributor order deadlines. Funding can arrive in as little as 24 hours for qualified businesses, but earlier is easier.

Can I use inventory funding for allocated or premium bottles?

You can, but focus on product that sells reliably. Slow-moving stock makes repayment harder.

Do you need my distributor invoices?

No. We base the decision mainly on your bank statements, though invoices help you pick the right amount.

Will my credit score matter?

It is one factor. FICO scores from 500 are considered alongside your deposits.

Can I fund inventory for two stores?

Yes, if revenue from both runs through your business accounts.

Holiday spirits $55,000.00
Wine expansion $26,000.00
Craft beer wall $18,500.00
Summer seltzers $12,000.00

Example uses for illustration only.

How to improve your chances

Better inventory habits make funding easier to repay.

  • Use POS reports to identify your top sellers
  • Mark down slow movers before buying more
  • Time large orders ahead of known peak weeks
  • Keep distributor invoices organized by month

Inventory funding vs. a bank loan

Merchant Fund Express
Traditional bank loans
Documents
About 3 months of statements
Returns, P&L, balance sheet
Application
About 5 minutes
Long forms
Speed
As little as 24 hours if qualified
Weeks, after order deadlines
Credit
FICO 500+ considered
High scores preferred
Who can apply
Sole proprietors welcome
Often entity-only

Stock smarter for your busiest weeks

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

Apply for Funding
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