Convenience and grocery is high-volume, thin-margin, and equipment-dependent, coolers and refrigeration run around the clock, inventory turns constantly, and a compressor failure can spoil a whole case overnight. Banks see the slim margins and pass. We fund on your sales so a breakdown or a restock never catches you short.
Fast reviews · Clear communication · No misleading promises
Convenience stores and small grocers make their money on volume, not margin: thousands of low-ticket sales, constant inventory turnover, and refrigeration that has to run 24/7. The equipment is expensive and unforgiving, a failed cooler or freezer can spoil inventory and cost sales until it's fixed, and the thin margins leave little cushion when something breaks or a big restock is due.
Revenue-based funding reads your daily sales, so you can replace refrigeration, restock fast, remodel, or add a cooler line, and repay as the registers ring.
Coolers, freezers, and refrigeration
Inventory restocks and bulk buys
POS and inventory systems
Store remodel or refresh
Adding a deli, coffee, or hot food
Fuel and lottery operations
Security and cameras
A second store or expansion
A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.
Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.
The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.
A realistic picture of what we look for, and what to have ready so things move quickly.
6+ months in operation
$10k+ in average monthly sales
An active business bank account
Steady card or register revenue
U.S.-based store
3–6 months of business bank statements
Card-processing or POS statements
A government-issued photo ID
Basic business info (EIN, entity type)
Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.
We look at recent deposits and card volume to understand what you may qualify for.
See the products that fit your situation side by side, in plain language.
Once you choose a direction, funds for fast options can land in as little as a day.
Walk-in cooler compressor failed
Funded fast, replaced before inventory spoiled
Big seasonal restock due
Drew to stock up, repaid on sales
Remodeling and adding a deli
Lower-rate financing for the build-out
Representative scenarios for illustration. Individual results, products, and timing vary.
We weigh your sales volume, not just margin
Speed to replace refrigeration
C-stores, markets, and grocers
Straight talk, no guaranteed-approval hype
Right-sized for thin-margin volume
One conversation to compare every fit
“Our main walk-in died on a holiday weekend, thousands in product at risk. They funded a new compressor unit overnight and we saved the inventory and the weekend.”
Representative experience. Individual results vary. No outcome is guaranteed.
Still have a question? A specialist can usually answer the same business day.
Start a review→Plain-English answers to the questions owners ask before they apply.
We tailor funding to specific businesses across the industry, explore the others.
Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.