Working capital for gourmet food stores.
Specialty imports and small-batch stock mean paying suppliers up front and waiting for the shelves to sell through. Serving gourmet food stores across Louisiana and Texas.
We know how gourmet food 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 squeezeSpecialty suppliers want payment up front.
The fair fixFast funding to pay suppliers early and keep your shelves full of what sells.
The squeezeBank loans take too long to approve.
The fair fixA decision in 24 to 48 hours with far less paperwork than a bank and a real human guiding you.
The squeezeSlow seasons tighten your cash flow.
The fair fixInterest-only options for the slow months so fixed payments flex when sales dip.
What gourmet food stores owners use it for
Put the capital where it moves the needle most.
Specialty import inventory
Refrigerated cases
Tasting & sampling stations
Gift packaging & baskets
Shelving & fixtures
Storefront renovations
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 gourmet food stores business?
Two minutes, no obligation, no credit impact. Or call (337) 344-9939.
