Industries we fund · Liquor Stores & Convenience
Working capital for liquor store businesses
High-frequency, high-consistency revenue with inventory that never stops turning. The constraint is buying power: better pricing lives in bigger orders.
Clearwater places liquor store files with funding partners that already know the industry: $10K to $2M, sized off your real bank deposits, with no hard credit pull to apply. Searching for liquor store business loans? What we place is revenue-based funding - an advance repaid out of daily deposits - and this page explains exactly how it prices so you can compare honestly.
How funders read a liquor store file
These are some of the most fundable files in the book: daily deposits nearly every day of the year, minimal seasonality, recession-resistant demand. Funders price that consistency generously. The main watch items are NSF activity and lottery/ATM pass-through muddying the deposit picture - if a chunk of your deposits is lottery settlement, flag it so underwriting reads the file right. Inventory expansion and second locations are the standard plays.
What liquor store businesses use the capital for
- Bulk inventory buys at distributor discounts
- Coolers and store refresh
- Second-location acquisition
- License purchases where transferable
What the numbers look like
Most files support roughly half to 1.4 times monthly bank deposits - where a file lands depends on deposit consistency, time in business, and existing positions. As an illustration only: a liquor store business depositing $50,000 a month might see an advance around $45,000, repaid as about $283 per business day until a fixed $59,400 is paid. The total is fixed on day one - it never compounds or grows - and most deals carry prepayment discounts, shown with your offer.
| Advance range | $10,000 - $2,000,000 |
| Monthly revenue floor | $10,000 in business deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Liquor Stores & Convenience funding questions
Why are liquor stores easy to fund?
Deposit consistency. Revenue lands daily, year round, in patterns funders can price with confidence.
Lottery money flows through my account. Does that distort things?
It can inflate topline. Tell us what portion is pass-through so the file is sized off real revenue - a correctly-read file avoids surprises at final underwriting.
Can I use funding to buy another store?
Acquisition is a common use. The advance sizes off your current store's deposits; the target's books strengthen the story.
See your number, not a sales pitch
Two minutes, no hard credit pull, and the estimate is sized off your real deposits.
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