How to get a loan for a convenience store or liquor store?
To get a loan for a convenience store or liquor store, work with lenders who actually fund the category: many banks decline liquor stores on policy alone, while alternative and specialty lenders approve them on deposit strength. Inventory working capital, equipment financing for coolers and POS, and SBA loans for buying a store are the main lanes. These are cash-flow machines with thin margins, so an empty cooler or a missed bulk-buy discount hits the bottom line immediately. Quordx Capital's 50+ lender network includes lenders open to the category, matched to you free.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
What store owners need to know about getting approved
- Expect bank policy walls, and route around them. Liquor stores especially face blanket industry exclusions at many banks. The fix isn't a better pitch; it's applying where appetite exists. Quordx Capital's network includes lenders comfortable with high-risk-coded industries. - Deposits drive approval. 3-6 months of bank statements showing daily sales is the heart of the file. Cash-heavy stores take note: revenue you don't deposit doesn't exist to a lender. Typical minimums run 3-6+ months in business and ~$10K+ monthly revenue. - Match products to purchases. Bulk inventory buys fit working capital loans ($5K-$500K); walk-in coolers, freezers, shelving, and POS systems fit equipment financing ($5K-$5M+, equipment as collateral, often easier approval); recurring distributor orders fit a line of credit ($10K-$250K+). - Buying a store? SBA 7(a) loans fund acquisitions up to $5M with typically 10% down: current variable rates run roughly 10.5%-14%, for buyers with stronger credit (most 7(a) lenders look for 650+) and patience for a longer process.
Store funding options Quordx Capital brokers
Working capital loan: Best for bulk inventory purchases and license-renewal seasons.
Equipment financing: Best for coolers, freezers, and register systems: collateral-backed, credit-flexible.
Business line of credit: Best for weekly distributor orders and cash-flow smoothing.
SBA loans: Best for acquiring a store or its real estate at the lowest long-term rates.
How Quordx Capital Works
One 5-minute application and a short document upload reach the whole network at once. The matching process system screens 50+ vetted lenders, including those without alcohol or industry exclusions, and presents your 3-7 likeliest approvals. Decisions usually arrive in 24-48 hours; funding follows in 3-7 business days for most products.
What to Expect
Expect to skip the policy-decline merry-go-round: your matches have already cleared the industry filter. Expect honest pricing comparisons too: category-tolerant lenders price for risk, and seeing multiple offers side by side is how you avoid overpaying. The service is free, no-obligation, and lender-paid only when a deal funds.
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No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
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Quordx Capital is a business funding broker, not a lender. We facilitate introductions between U.S. small and medium-sized businesses and lenders or capital providers in our network. All credit decisions, funding amounts, rates, fees, repayment terms, and timelines are determined solely by individual lenders based on their own underwriting criteria.
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