Working capital for candy stores.
Halloween, Christmas, and Valentine's Day mean stocking up big weeks before the register catches up. Serving candy stores nationwide.
We know how candy stores really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
How each option works
The programs our lending partners actually offer businesses like yours. Not sure which one? Check your options and we'll match the structure to the deal.
Working Capital Loan
Money for payroll, stock, and the slow months.
See terms & details →Business Line of Credit
Draw what you need, when you need it.
See terms & details →Equipment Financing
Get the equipment. Keep your cash.
See terms & details →SBA 7(a) Loan
The most flexible SBA loan there is.
See terms & details →Want the full picture first? Get a free Capital Position Report — where your business stands and what it likely qualifies for.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeHoliday inventory buys are huge and early.
The fair fixFast funding to stock up for peak seasons before the sales roll in.
The squeezeSlow months after the holidays drag on.
The fair fixInterest-only options for the quiet stretch so fixed payments ease when shelves slow.
The squeezeBulk candy orders tie up your cash.
The fair fixWorking capital to buy in bulk and hit better pricing without emptying the bank.
What shop owners use it for
Put the capital where it moves the needle most.
Bulk candy inventory
Display bins & fixtures
Gift & seasonal packaging
Refrigerated chocolate cases
POS systems
Storefront & signage
Related industries
Businesses with a similar cash-flow rhythm, and the financing we see them use.
Tools and guides for candy stores
Run the numbers
Compare side by side
Guides & related financing
From our insights
What it takes to qualify
Most operators here start with business capital — but if you're financing property or equipment, that path qualifies differently.
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Real Estate & Assets
- Credit generally 620+ (equipment) to 640+ (rental property)
- Equity or down payment — typically up to ~75% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your candy store?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
