Keep shelves stocked and payroll covered while cash catches up. Apply in 5 minutes with about three months of statements and no tax returns.
Get StartedWorking Capital
Inventory ties up cash long before it sells. Working capital sized to your deposits lets you buy when it makes sense, not just when the account allows.
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.
Five minutes to apply, a few statements to review, and funding in as little as 24 hours for qualified stores.
FICO scores from 500 are considered. Your store's deposit history carries real weight in the decision.
You see the full repayment amount before you accept. Nothing new gets added after you sign.
Your repayment schedule is laid out in the offer, so you can plan orders and payroll around it.
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.
Money in a liquor store sits on the shelf. You pay the distributor, the bottles wait for buyers, and cash comes back a little at a time. That gap gets wider in the weeks before a big holiday, when a new craft line launches, or when rent and payroll land in the same week as a large order. Working capital for liquor stores bridges that gap so the shelves stay full and bills get paid on time.
Buy allocated bourbon, seasonal wine or keg stock when it is available instead of when cash happens to be free.
Cover extra clerks for December or keep your team paid through a quiet stretch after New Year's.
New shelving, lighting, security cameras or a refreshed front window. For bigger machines, our equipment financing for liquor stores may fit better.
For a deeper look at managing the cycle, see the liquor store cash flow guide.
No tax returns are required. FICO scores from 500 are considered, and sole proprietors can apply. We work with established stores that show steady deposits.
We fund from $25,000 to $5,000,000. The number you see depends mainly on your average deposits and any existing obligations drawing from the account. For illustration, a store with strong, consistent deposits and no other payments will usually see a larger offer than a similar store already repaying another obligation.
Every offer lists the full repayment amount and the repayment schedule before you accept. When it looks right, qualified stores can be funded in as little as 24 hours. Apply now to see your options.
Most package stores can name their peak weeks without looking: the run-up to Thanksgiving, the stretch from mid-December through New Year's Eve, Super Bowl weekend and the big summer holidays. The cash crunch shows up a few weeks before each one, when orders go in and sales have not arrived yet. Planning working capital around those dates means you are not choosing between a full shelf and an on-time rent check. Many owners line up funding a month ahead of their busiest stretch so the order goes in at the right price.
Not exactly. Working capital is the broader need; we can meet it with several products, including a merchant cash advance, revenue-based financing or a line of credit. We help you see which fits.
Yes. Stocking up ahead of busy seasons is one of the most common uses we see from liquor stores.
Seasonality is normal for beverage retail. We look at the overall deposit pattern, and noting your busy and slow months helps us read it accurately.
Yes. Sole proprietors can apply as long as the store has a business bank account with steady deposits.
Example uses for illustration only.
These habits help us size a stronger working capital offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding