Funding for Liquor & Convenience Stores
Daily card and cash volume is steady all year, which fits an MCA remittance perfectly, and a line of credit funds the deep holiday buys when distributors offer their best deals.
A liquor store's working capital is standing on the shelves. The distributors want payment on delivery or close to it, the best case discounts go to stores that can buy deep, and the November–December run requires stocking up weeks in advance — all out of your own pocket. Then there is the part nobody says out loud: plenty of banks quietly decline the category no matter how solid the store is. Broadway does not. We fund on three months of bank statements and the steady daily volume this business reliably produces. One short form, soft credit pull, same-day decision, funding in as little as 24 hours.
The challenge
The business model is cash on shelves — deep inventory bought up front, sold a bottle at a time. Add licensing and category restrictions, and many banks simply pass on the industry.
How Broadway Advance helps
Daily card and cash volume is steady all year, which fits an MCA remittance perfectly, and a line of credit funds the deep holiday buys when distributors offer their best deals.
What owners use it for
- Stock deep for the holiday season
- Take distributor case discounts that require volume buys
- Replace coolers, refrigeration, and shelving
- Upgrade POS, cameras, and security systems
- Expand the store or add product categories
- Cover license renewals and compliance costs
See your real number in about five minutes.
Apply nowFunding options that fit liquor & 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 →Term Loan
The lowest rates and longest terms, with predictable monthly payments.
Up to $5,000,000 →Liquor & Convenience Stores funding questions
Banks keep declining my store because of the liquor category — will you fund it?
Yes. This is exactly the situation our brand line is about: when the banks say no, we say yes. We broker across 25+ funders and 50+ programs, several of which fund liquor and convenience stores as a matter of course. What matters to us is what matters in any business — real deposits across three months of bank statements and a store that sells. The application is one short form with a soft credit pull, so the category alone will not cost you anything to find out.
Distributors offer better pricing on bigger buys — does borrowing to buy deep make sense?
Run the spread. If case discounts and holiday sell-through beat the cost of the capital, buying deep with borrowed money is simply good purchasing — that is the whole comparison. An MCA costs more than bank money, so for a recurring seasonal buy a line of credit is often the better tool: draw for the buy, repay through the season, pay interest only on what you used. We will put both numbers next to your distributor's price break and let you decide.
Does my liquor license count for anything in underwriting?
Indirectly, yes. The license is not collateral we lend against the way we would real estate or equipment, but it represents scarcity and stability, and underwriters read an established licensed store as a durable business. What actually drives the approval is your deposit history — three months of bank statements showing the daily volume a good store produces. Bring those, and the license does its real work: proving the revenue is built to last.