Funding for Independent Liquor Stores

Package store owners put it toward the November and December inventory order, wholesaler invoices that come due before sales catch up, cash for beer deliveries, payroll through the January and February slowdown, license renewals, coolers and shelving, and point-of-sale upgrades. One application covers all of it, and we match you to what you qualify for.

Amounts run from $10,000 to $500,000. Where your store lands in that range depends mainly on what it brings in each month and how long it has been open, more than on a single credit score.

Yes, and it's the most predictable need in this business. Census Bureau figures for beer, wine, and liquor stores show $7,328 million in sales in December 2025, against $4,824 million in January and $4,807 million in February. Working capital pays for the holiday order up front, so the shelves are full before the December revenue arrives.

It can. In Texas, for example, spirits and wine delivered between the 1st and the 15th must be paid for in full by the 25th of that month, and a retailer on the published delinquent list cannot buy spirits or wine from wholesalers while it is listed. Working capital gives you the cash to pay on the due date even when that week's sales came in light.

No. Where a state sets the credit terms between a store and its wholesalers, as Texas, Illinois, and Massachusetts do, those terms come from the law, and we have no part in them. We don't extend credit on a wholesaler's behalf, we can't move a due date, and we can't take a store off a delinquent list. What we provide is working capital paid to your business, and you decide how to use it, including paying wholesalers on time.

Not for a store that isn't open yet. Funding requires a store that has traded for at least 1 year and takes in $10,000 or more in revenue every month, so a store still in planning, or one in its first year, does not qualify. Once your store has a year of sales behind it, check again.

It depends on the need. Repeated deliveries on a fixed payment calendar suit a line of credit, which you draw and repay as the cases sell. A remodel or a second store suits a business loan, paid out as one lump sum. Both are arranged through our funding partners, while working capital comes straight from us and covers either kind of need.

Not for working capital, which asks for neither. Equipment financing is the exception: the coolers or cases being bought secure the financing themselves.

No. Seeing what your store qualifies for starts with a soft credit pull, which leaves your score where it is, and you're under no obligation to accept an offer.

A decision typically comes within 4 to 8 hours, and funds arrive within 24 to 48 hours. That matters when a due date is days away, not weeks.

Not by themselves. January and February are the two lowest sales months for liquor stores in the Census Bureau's 2025 figures, and that pattern is expected. The minimum still applies to each month, so the store needs $10,000 or more in revenue every month, including the slow ones.