Funding that keeps your humidor full.
Premium inventory ages slowly and ties up serious cash, but your regulars expect the best on the shelf. Serving cigar stores across Louisiana and Texas.
We know how cigar 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 squeezePremium stock ties up cash for months.
The fair fixWorking capital to keep the humidor deep without draining your register.
The squeezeLimited releases sell out before you reorder.
The fair fixFast funding to grab allocations the moment they come available.
The squeezeA daily-debit advance drains slow weeks.
The fair fixFixed, predictable payments instead of a daily hit to your account.
What cigar stores owners use it for
Put the capital where it moves the needle most.
Premium cigar inventory
Limited release allocations
Walk-in humidor buildout
Lounge seating and decor
Point-of-sale systems
Accessory and gift stock
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 cigar stores business?
Two minutes, no obligation, no credit impact. Or call (337) 344-9939.
