Merchant Fund Express
(305) 384-8391Apply

Revenue-Based Financing for Convenience Stores

Funding sized from your store's daily deposits. A 5-minute application, about three months of bank statements, and no tax returns required.

See My Options

Revenue-Based Financing

Steady register traffic is your strongest asset

Your store takes in money every single day. We use that deposit history to size an offer, so a thin-margin business is not judged on its tax return alone.

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.

Built around how corner stores earn

Quick review, short document list

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

Deposits matter, not just credit

FICO 500+ considered. We start with a soft pull and weigh the steady flow of sales through your account.

Full repayment shown up front

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

A schedule you can see

The payment schedule is in your offer from the start, so you can plan it around vendor orders and payroll.

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.

Why revenue-based financing fits a corner store

A convenience store lives on volume. Coffee in the morning, lottery and snacks at lunch, beer and fuel on the way home. Margins per item are thin, but the deposits are steady, and steady deposits are exactly what revenue-based financing is built around.

Instead of judging your store mainly on a credit score or a tax return, revenue-based financing looks at the money moving through your business bank account. Funding is sized from that history, and repayment is tied to the revenue the store brings in.

What we look at

We keep the review short. A 5-minute application gets things started, and we begin with a soft credit pull, so checking your options does not hurt your score.

No tax returns are required, and sole proprietors can apply.

Common uses inside the store

Owners usually come to us with a specific problem, not a vague wish for cash. Some examples we hear about:

How it compares with other options

Revenue-based financing is one of several products we offer. If most of your sales run through card terminals, a merchant cash advance for convenience stores may be worth comparing. If you want something you can draw on repeatedly, look at a business line of credit. For new coolers, POS systems or fuel-island upgrades, equipment financing can match the cost to the asset.

Before you sign anything

Every offer we present shows the full repayment amount and the payment schedule before you accept. Read both against your own numbers. If the payment would squeeze your vendor orders or payroll, ask for a smaller amount. When you are ready, start the 5-minute application.

Frequently Asked Questions

How much can a convenience store get with revenue-based financing?

Funding runs from $25,000 to $5,000,000 overall, but the amount for your store depends mainly on your deposits and what you already owe.

Does lottery and fuel volume count?

We look at what actually lands in your business bank account. High pass-through sales can look large, so we focus on the overall deposit pattern rather than one line item.

How fast can I get funded?

Funding can arrive in as little as 24 hours for qualified businesses once your statements are in.

Do I need perfect credit?

No. FICO 500+ is considered, and we start with a soft credit pull. Your deposit history carries real weight in the review.

Can a sole proprietor apply?

Yes. Sole proprietors can apply as long as the store has a business bank account with steady deposits.

What if my store also sells fuel and has big supplier bills?

That is common. We look at what is left after the money moves through, including fuel and wholesale payments, so an offer reflects how the store really runs rather than gross sales alone.

Holiday inventory $22,000.00
Reach-in coolers $38,000.00
POS upgrade $14,500.00
Store refresh $65,000.00

Example uses for illustration only.

How to improve your chances

Small habits in your bank account can make your store's file easier to review.

  • Run all store sales through one business account
  • Keep daily deposits regular instead of saving them up
  • Limit overdrafts and negative balance days
  • Know exactly what the funds will cover

Our process vs. a typical bank loan

Merchant Fund Express
Traditional bank loans
What drives the decision
Your deposit history
Credit, collateral, tax returns
Documents
About 3 months of statements
Tax returns plus financials
Credit
FICO 500+ considered
Strong credit usually expected
Starting credit check
Soft pull
Often a hard pull
Speed
As little as 24 hours if qualified
Often several weeks

Put your store's daily sales to work

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

Apply for Funding
Apply NowCall