INDUSTRY SOLUTIONS
Working Capital for Convenience Stores
A busy register can hide a thin margin. Fuel brings in most of the sales and far less of the profit, card fees come off every swipe, and in North Dakota the lottery money in your account is held in trust until the weekly sweep. We fund convenience stores on the money they actually keep, fast enough to matter this week.
Soft credit pull, won't affect your score. No obligation.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Fuel, lottery sweeps, stocking & more
THE CHALLENGE
Most of the Money in the Drawer Isn't Yours to Keep
A convenience store handles a lot of money for its size, and much of it only passes through. NACS counted 151,975 convenience stores in the United States at the end of 2025, and 95,672 of them, 63% of the total, are owned by companies with 10 or fewer stores. For those owners the gap between gross sales and spendable cash is a daily fact, and it comes from four directions.
Fuel fills the sales line, not the profit line
NACS reported that in 2025 fuel accounted for 65.0% of sales dollars at convenience stores but 38.8% of gross profit dollars. Put the other way, the inside of the store earned most of the profit on about a third of the sales. A top-line number that looks healthy can sit on top of very little room to spend.
Card fees come off the top
The same NACS report put the industry's credit and debit card fees at a record $21.3 billion for 2025. A fee is charged on a card sale whatever the margin on the item, so a high-volume, low-margin business pays it over and over, and it rises with every extra sale.
Lottery money belongs to the state until the sweep
North Dakota's lottery requires retailers to hold ticket money in trust and in a fiduciary capacity for the lottery, deposit it within one banking day of the sale, and it withdraws the amount due by electronic funds transfer every Tuesday. If the account is even one cent short at the sweep, the entire transaction is classified as non-sufficient funds. Missouri requires retailers to authorize electronic debiting and to pay immediately after a failed transfer, and Florida accepts no cash from retailers for tickets at all.
The SNAP shelf now asks for more
A USDA rule published May 8, 2026 raised the stocking standard for SNAP retailers authorized under its stocking criterion: seven varieties in each of the four staple food categories, three stocking units of each, a minimum of 84 units. Current stores are assessed at reauthorization, which generally comes within five years of authorization. The rule itself notes that convenience stores are 44 percent of SNAP retailers but only five percent of SNAP redemptions. For a store that wants to keep accepting EBT, meeting the standard can mean an inventory buy ahead of the review.
A bank reading the sales line sees a large business. The owner sees what's left after fuel, card fees, and the lottery's share. We fund on what the store brings in each month, and lottery ticket sales are not counted toward the funding amount. Checking starts with a soft credit pull, you'll typically have a decision within 4 to 8 hours, and the money lands in 24 to 48 hours.
How Convenience Stores Use Our Funding
Sweep-Day Balance
Keep the lottery's money in the account on sweep day after a slow week, so a short balance never turns into a returned transfer.
Fuel Inventory
Hold cash for the next fuel load so a costly refill doesn't drain the account the rest of the store runs on.
SNAP Stocking
Add the staple varieties and stocking units the updated SNAP rule asks for, ahead of your store's reauthorization.
Coolers & Refrigeration
Repair or replace the reach-in coolers and cases that keep drinks cold and perishables sellable.
License Renewals
Cover tobacco, beer, and wine license fees as they come due. In California, a tobacco retailer license costs $450 per location for applications and renewals filed on or after July 1, 2026.
Point-of-Sale & Card Readers
Upgrade the point-of-sale system and card readers, so checkout keeps moving at the busiest hours.
One Application. We Match You to the Funding That Fits.
We provide working capital directly. Equipment financing, business loans, and lines of credit come through our funding partners. One application covers every option, so there's no need to choose before you apply.
Working Capital
Funding for fuel, stock, a lottery sweep, or payroll, sized to what the store keeps each month. No collateral and no personal guarantee.
Learn MoreEquipment Financing
For coolers, refrigeration, and point-of-sale systems, secured by the equipment you're buying.
Learn MoreBusiness Loans
One lump sum for a planned project, such as a store refit or a second location.
Learn MoreBusiness Line of Credit
A standing balance to draw on for an uneven week and pay back when sales recover.
Learn MoreRevenue-Based Financing
Payments that move with your sales volume instead of a fixed amount.
Learn MoreWhy Convenience Store Owners Choose Us
Gross sales tell a lender how busy a store is. They say little about the lottery money waiting for its sweep or the fees taken from each swipe. We look past the top line to the revenue a store brings in every month, and a decision typically comes within hours.
See What You Qualify For- We look at what the store keeps, not just total sales
- Funding for fuel, stocking, sweeps, or equipment
- Decisions in 4 – 8 hours, funding in 24 – 48
- Working capital with no collateral or personal guarantee
- Soft credit pull, no effect on your score
- Every credit profile considered
Simple Requirements to Get Started
A convenience store with at least 1 year of trading and $10,000 or more in revenue every month, not counting lottery sales, is likely a fit.
1+ Year
In Business
$10K+
Revenue Every Month
All Credit
Profiles Welcome
See What You Qualify For
It takes less than 30 seconds. Soft credit pull, won't affect your score.
Convenience Store Funding FAQs
What can a convenience store use funding for?
Owners use it for fuel inventory, the cash to cover a weekly lottery sweep, stocking to meet SNAP rules, coolers and refrigeration, point-of-sale upgrades, license renewals, payroll, and a remodel or second site. You fill out one application, and we line you up with the options your store qualifies for.
How much convenience store funding can I get?
Offers range from $10,000 to $500,000. Your amount rests mostly on your store's monthly revenue and its time in business, rather than on any one credit score.
Why is my store short on cash when sales look strong?
Because a large share of those sales was never profit. NACS, the convenience industry's trade group, reported that in 2025 fuel made up 65.0% of sales dollars at convenience stores but only 38.8% of gross profit dollars, and the industry's credit and debit card fees hit a record $21.3 billion. Working capital fills the gap between what rings up and what the store keeps.
Can working capital cover a weekly lottery sweep?
It can keep the account funded for one. In North Dakota, for example, the lottery withdraws the amount due by electronic funds transfer every Tuesday, and an account even one cent short makes the whole transfer non-sufficient funds. Our funding goes into your business account, and keeping sweep day covered in a slow week is one way owners use it.
Do lottery sales count toward how much funding I qualify for?
No. Lottery ticket sales are not counted when we work out your funding amount, and the $10,000 or more in revenue every month that we require is measured without them too. We look at the rest of what your store brings in each month.
Can funding pay for the new SNAP stocking standard?
Yes. A USDA rule published May 8, 2026 asks stores authorized under its stocking criterion to carry at least seven varieties in each of the four staple food categories, with three stocking units of each, for a minimum of 84 units. Existing stores are assessed when they reauthorize. Working capital can pay for that added inventory before the review.
Do convenience store loans cover fuel inventory?
Working capital can go toward fuel like any other operating cost. You decide where it goes, whether that's the next load, in-store stock, or payroll.
Can I get convenience store financing to open a new store?
No, not before the store is trading. We fund convenience stores with at least 1 year in business and $10,000 or more in revenue every month, so a site that hasn't opened, or a store still in its first year, does not qualify. After the first full year, you're welcome to apply.
Does convenience store funding require collateral?
Working capital doesn't, and it doesn't require a personal guarantee either. If you finance coolers or a point-of-sale system through equipment financing, that equipment secures the deal.
Can I finance coolers or a point-of-sale system?
Yes, through our funding partners. Equipment financing spreads the cost of refrigeration and point-of-sale hardware over time, with the equipment as the security. For a smaller repair, many owners simply use working capital.
Does applying affect my credit score?
No. We begin with a soft credit pull, which doesn't touch your score, and nothing obliges you to take the funding.
How quickly can a convenience store be funded?
Expect a decision in 4 to 8 hours and money in your account in 24 to 48 hours, quick enough to cover a sweep, a delivery, or a broken cooler in the same week.
Specialized Funding
Other Business Types We Fund
We build dedicated funding guides for specific business types. Explore others below, or see the full Retail overview.
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