Funding that keeps your aisles stocked.
Perishables move fast and margins are thin, so you need capital to keep shelves full and coolers running. Serving grocery stores nationwide.
We know how grocery 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 →Equipment Financing
Get the equipment. Keep your cash.
See terms & details →Inventory Financing
Turn inventory into working capital.
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 squeezeThin margins leave no cushion for big buys.
The fair fixWorking capital to stock up and capture bulk pricing from suppliers.
The squeezeA cooler breakdown can wipe out inventory.
The fair fixFast funding to replace equipment before spoilage costs you.
The squeezeA daily-debit advance strains tight cash flow.
The fair fixFixed, predictable payments instead of a daily hit to your register.
What grocers use it for
Put the capital where it moves the needle most.
Bulk inventory buys
Refrigeration equipment
Freezer and cooler repairs
Point-of-sale systems
Store expansion
Delivery and stocking staff
Related industries
Businesses with a similar cash-flow rhythm, and the financing we see them use.
Tools and guides for grocery 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 grocery store?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
