Merchant Fund Express
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Revenue-Based Financing for Liquor Stores

Funding built around the revenue your store brings in. Apply in 5 minutes, no tax returns required, funding in as little as 24 hours for qualified stores.

See My Offer

Revenue-Based Financing

Funding that respects a seasonal sales curve

Holiday spikes and slow Januaries are part of liquor retail. Revenue-based financing is structured around your sales, with every detail spelled out in the offer.

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.

Why it works for package stores

Fast with minimal paperwork

Five-minute application and three months of statements. Qualified stores can be funded in as little as 24 hours.

Flexible on credit

FICO 500+ is considered. Your revenue history matters as much as the score.

Clear costs

The full repayment amount is in the offer before you accept, with no surprise costs after signing.

Known repayment terms

How remittances work is laid out up front, so you can plan the months ahead.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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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.

Financing that follows your sales

Liquor store revenue is lumpy. December can carry a big share of the year, and a rainy summer can flatten beer sales for weeks. Revenue-based financing for liquor stores ties repayment to the revenue your store brings in, so the structure reflects how retail actually moves instead of pretending every month looks the same.

How remittances are calculated and collected is set out in your offer before you accept.

Why it fits beverage retail

Seasonal peaks

Stores often see the strongest weeks around the winter holidays and major summer weekends, with quieter stretches in between.

High inventory turnover

Cash cycles through product quickly, so funding sized to revenue tends to match the pace of the business.

Card-heavy sales

Steady card deposits create a clear record we can underwrite from.

For quieter months, see our liquor store slow season funding page.

Revenue-based financing vs. other options

A merchant cash advance also relies on future sales and is closely related. A working capital offer may have a different structure. A line of credit suits repeated, smaller draws. We can walk through which approach best matches your deposit pattern and what the money is for.

Applying

Funding ranges from $25,000 to $5,000,000 based mainly on your deposits and existing obligations. Each offer shows the full repayment amount up front, and qualified stores can be funded in as little as 24 hours. Apply today.

An example, for illustration

Picture a store that uses revenue-based financing in October to build holiday inventory. The structure in the offer reflects its revenue, and the owner knows the total repayment amount from the start. That clarity lets them commit to a larger order without guessing at the cost.

Is your store a good fit?

Revenue-based financing tends to suit established stores with steady deposits flowing through one business account, where most sales come from cards and cash is deposited regularly. It is also useful when the owner has a clear plan for the money, such as stocking ahead of a peak or adding a product category that should pay for itself. It may be less suited to a store that has just opened or whose deposits are scattered across several accounts. We review each application individually and explain which product fits before you commit to anything.

Frequently Asked Questions

How is repayment tied to revenue?

The offer explains exactly how remittances are calculated and collected. You review that, along with the full repayment amount, before you accept.

Is this the same as a merchant cash advance?

They are related, since both look to future sales. The specific structure differs, and we explain the difference for your store.

Can I use it for inventory and payroll?

Yes. Liquor stores use it for stock, staffing, equipment and other operating needs.

What credit score do I need?

FICO scores from 500 are considered, and we begin with a soft credit pull.

Holiday inventory $50,000.00
Wine wall build $23,000.00
Staff for peak $16,000.00
Delivery launch $30,000.00

Example uses for illustration only.

How to improve your chances

These steps help us read your revenue clearly.

  • Route card processing into your main business account
  • Deposit cash sales regularly
  • Share your seasonal patterns in the application
  • Keep existing obligations current

Revenue-based financing vs. a bank loan

Merchant Fund Express
Traditional bank loans
Basis for offer
Store revenue and deposits
Credit and collateral
Application
About 5 minutes
Lengthy forms
Tax returns
Not required
Typically required
Credit
FICO 500+ considered
Higher scores expected
Speed
As little as 24 hours if qualified
Several weeks

Fund your store around its revenue

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

Apply for Funding
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