Working capital for candy stores.
Halloween, Christmas, and Valentine's Day mean stocking up big weeks before the register catches up. Serving candy stores across Louisiana and Texas.
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.
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 candy stores 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
What it takes to qualify
Most operators here use 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+ (some programs start lower)
- Equity or down payment — up to ~80% 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 stores business?
Two minutes, no obligation, no credit impact. Or call (337) 344-9939.
