Funding for Grocery & Convenience Stores
Stores like yours deposit card revenue every single day, which is the steadiest possible base for a merchant cash advance — and inventory-heavy operations also fit lines of credit and asset-based programs when the need is restocking, not repairs.
Grocery and convenience margins are famously thin — a few cents on the dollar — so the business is really about volume, turns, and never letting the shelves go bare. That means cash is always working: in the coolers, in the inventory, in the next delivery. When a walk-in dies, a competitor forces a remodel, or a distributor offers a volume deal you cannot float, the capital question is about days, not months. Broadway's process respects that: one short form, three months of bank statements, a soft credit pull, a same-day decision, and funding in as little as 24 hours. Yes, it costs more than a bank loan — and a week of empty coolers costs more than that.
The challenge
You run one of the thinnest-margin businesses in retail, open seven days a week, with shelves that have to be full every one of them. A cooler failure, a supplier price jump, or a rough month can eat a margin measured in single digits.
How Broadway Advance helps
Stores like yours deposit card revenue every single day, which is the steadiest possible base for a merchant cash advance — and inventory-heavy operations also fit lines of credit and asset-based programs when the need is restocking, not repairs.
What owners use it for
- Replace walk-in coolers, freezer cases, and refrigeration before product spoils
- Buy inventory in volume when a distributor's deal is too good to pass up
- Remodel the store or upgrade lighting, shelving, and signage to compete
- Add or upgrade POS systems, security cameras, and self-checkout
- Cover a slow month or a rent increase without shorting the next delivery
- Expand into hot food, a deli counter, or lottery and services that pull traffic
See your real number in about five minutes.
Apply nowFunding options that fit grocery & convenience stores
Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →Business Line of Credit
A revolving cash reserve you only pay for when you draw on it.
Flexible limits →Equipment Financing
Buy the equipment you need; the equipment itself secures the deal.
Up to 100% of equipment cost →Grocery & Convenience Stores funding questions
A lot of my sales are still cash, not card. Does that hurt me?
Not if it lands in the bank. Underwriting runs off your bank statements, so cash revenue counts as long as you deposit it consistently — and this is a real reason to keep deposits disciplined. A store that skims or holds cash back is invisibly shrinking its own approval. If your card volume alone is modest, programs that look at total deposits rather than just processing volume may fit better, and Broadway has both across its 25+ funders.
My margins are razor thin. Can I actually afford an advance?
Sometimes no — and you should hear that from your broker, not discover it later. An advance costs more than bank money, so on grocery margins it only makes sense when the capital earns more than it costs: a volume inventory deal, a cooler that saves a week of spoiled product, a remodel that lifts traffic. For pure gap-covering on a store that is losing money, more debt is not the fix. Bring us the numbers and we will tell you straight.
My coolers are aging and I'm scared of a failure. Finance now or wait until it breaks?
Financing before the failure is almost always cheaper. A planned replacement uses equipment financing — up to 100% of cost, equipment as collateral, better pricing — on your schedule. An emergency replacement means paying rush rates to the installer, eating spoiled inventory, and often reaching for faster, more expensive capital because you have no time. If the units are on borrowed time, getting ahead of it is the rare case where borrowing early saves money.