Liquor Store Merchant Cash Advance Companies

Liquor Stores can benefit from a Merchant Cash Advance

Enjoying cocktails or cold beers with friends and family is popular here in the U.S, Many LOCAL liquor stores are privately owned and operated by small business owners. In some communities, larger wholesale liquor and wine retailers have moved in, making the market highly competitive. Merchant Cash Advance Companies like Northwest Finance have been serving the financing needs of liquor stores for many many years.

Liquor stores offer there own set of challenges

Typically, liquor stores have a large number of cash and credit card sales, meaning this can be an ideal way to obtain working capital by taking merchant cash advances. Liquor stores require a steady cash flow because inventory must be turned around quickly to earn a profit, and fresh products must be brought in on a regular basis to maintain quality. Small business loans can be a good way to manage these expenses.

There are many licensing and health code requirements to operate a successful liquor store. In some states, there are limited numbers of full liquor licenses available, costing as much as several hundred thousands of dollars to obtain. Most liquor stores also require more sophisticated security systems because they are frequent targets of robberies and other crime. It’s not an easy business, but it can be highly rewarding and profitable.

Liquor Stores can benefit from a Merchant Cash Advance

With these factors at play, merchant cash advances can be beneficial for liquor store owners who need a steady source of income. If you are operating a liquor store and need extra funds, here are the reasons why cash advances on merchant payments can work well for you.

One page application minimum financial statements needed

Unlike traditional small business loans, merchant cash advances don’t come with all the massive amounts of paperwork to fill out, financial reports to share and the worry over credit scores. Merchant cash advances are determined by how long you’ve been in business and the amount of credit card payments your liquor store accepts on a monthly basis. And you don’t have to worry about putting up any collateral either.

Obtain financing fast

Because the process to get approved for a merchant cash advance is so quick, money can be in your pocket a lot faster than through other means. If you are facing an unexpected expense or trying to pay down other small business loans and credit cards, this can be very helpful. Future merchant cash advances will be easy to get too as a pre-approved small business.

Payments that meet your schedule

It can be worrisome to borrow money for any small business, especially with a liquor store which may experience peaks in buying seasons and slow periods in between. The good news is that merchant cash advance payments are determined on a small percentage assessed on every credit and debit transaction you take, so the money goes out in small increments you will barely miss. If you fall behind, your lender can work with you to get caught up with more flexible terms than any bank will ever offer.

Get approved and get funded

Along with a fast application process, the approval rate is a lot higher than with small business loans. This is because a lender like Northwest Finance is evaluating the merit of your liquor store based on actual business performance. Therefore, if your business is stable, there should be no reason why you wouldn’t get approved. Banks tend to see liquor stores as risky so they may not be as willing to approve your business for any loans. Keep in mind that merchant cash advance amounts may be based on average revenues for the past 6 to 12 months.

Bad credit business financing

If your liquor store has struggled with poor or bad business credit, but you have a steady flow of sales for your liquor store, a merchant cash advance can be the right solution for you. You will need to have a merchant credit card vendor already set up to accept payments, for the best results. Over time, as payments are made on time or early, a merchant cash advance can also help to improve your credit rating.

Industry leading reliability

A few years ago, there were few companies that were regulated by financial laws to provide merchant cash advances. Today, however, financial organizations like ours must prove that we are connecting small business owners with reputable merchant credit advance programs that conduct fair and reasonable business practices. So, there’s no guesswork or wondering if you are getting a good deal.

Don't pay higher rates

As compared to other types of small business loans and credit card programs, merchant cash advances offer very competitive industry rates. A very small fee is assessed with each payment, and this cost can be deducted as part of business expenses. Your liquor store can stay in business and you don’t have to raise your costs in order to afford a cash advance on your merchant account.

We work with many types of businesses

Whether you are using a major merchant vendor or have chosen to work with a small, less-known company, there’s no need to be concerned. Northwest Finance has multiple relationships with merchant credit card vendors and their partners, to make sure any business has access to these benefits. You won’t have to switch to another vendor you don’t want to work with.

A finance Partner you can trust

Getting a merchant cash advance for your liquor store means you have a partnership with your business for as long as you wish. You will be able to borrow more money in the future to expand operations, refresh your inventory with a new product line, hire more employees, and market your business. This gives you an edge on the competition and elevates you above the mom and pop liquor store status.

While we could go on about the extensive list of the benefits of a merchant cash advance, this should give you an idea of what you can expect when you connect when you apply for this type of financing.

Contact Merchant Cash Advance U.S today!

Merchant Cash Advance Companies | MerchantCash Advances | Bad Credit Business Financing

Merchant Cash Advances

A cash advance may be the answer, for Business cash without a loan!

The lending community has tightened up considerably in the last few years making it extremely difficult to access additional business capital unless your business has large cash reserves. Wouldn’t it be nice if you could leverage your sales to secure an advance of cash instead of relying on traditional lending guidelines and requirements? 

A merchant advance provides working capital for your business secured by a portion of your future credit card receipts. The guidelines for a merchant credit card cash advance approval differ from a traditional loan as a merchant credit card cash advance is approved based on the history of receipts not on credit and collateral. 

These facts make it much easier for a small to medium sized business to attain the capitol necessary to grow the business.


Traditional underwriting requirements for a merchant cash advance are typically as follows:


500 FICO score or better  (in some cases this may not be a deal killer).

$5000/ month minimum processing

Average retail ticket less then $600 (businesses with higher tickets still may qualify).

15 batches / month

Bankruptcies discharged for at least 1 year (can possibly be worked around)

In business for at lease one year

Additional benefits include:

Advance is invisible: Advance does not show through the credit reporting agencies as a loan or line of credit

Large advance amounts: Up to $250,000

Repayment is automatic: A fixed percent of each future sale is directly debited

You don’t pay unless you get paid! 

A Merchant Cash Advance can be applied for and funded in as little as 48 hours. There is the availability for this type of financing nationwide. Apply get funded and grow your businesses without lengthy business proposals and lots of digging by banks and underwriters.

Merchant Cash Advance Companies | Merchant Cash Advances | Bad Credit Business Financing

Merchant Cash Advances, Bars, Nightclubs

Bar, Nightclub, Merchant Cash Advances

More goes on behind the bar than just cutting limes. Exploring new inventory, arranging deliveries, repairing damages, managing taxes and licenses — it takes a lot of work to keep the drinks flowing. But the only thing more challenging than keeping your body shop running is getting the funding you need from the bank. Maybe you’ve applied for a small business loan and been turned down, or you can’t afford to wait the weeks and weeks a bank loan would take to get you the capital you need.

Apply for a Cash Advance, it's easy.

When you get an answer from us, you know it’s valid and that the funds will arrive in a short period of time.

Fast and Simple

Most of our bars and lounges receive a pre-qualification from us within 24 hours of submitting the 1-page application, and actually receive the money in their business bank account within 7 days. The process for obtaining a traditional small business loan from a bank could take several months. Learn how our cash advance underwriting process works!

Minimum Documentation and No Collateral Required

We are not a bank, so we don’t require a lot of documentation.  For example, unlike for traditional bank loans, you do not have to provide tax returns, financial statements, or physical collateral in order to obtain a business cash advance. We have a simple one-page application and only require 4 months of credit card processing statements and 2 months of bank statements.

Personal Credit Isn’t a Problem

We take many factors into consideration through our proprietary underwriting process, and we have funded thousands of merchants who have credit scores of under 500. Business loans often require a minimum FICO or credit score.  Read how you can qualify for our business cash advance.

No Fixed Payment Schedules

A business cash advance isn’t a traditional loan. The advance is paid back as a percentage of your credit card sales. When business picks up, you pay back more and when business slows, you pay back less. Learn how our business cash advances work.

Merchant Cash Advance Companies | Bad Credit Business Financing | Merchant Cash Advance