Working Capital Loans for Liquor Stores

What This Is

• Financing designed to cover ongoing operating expenses rather than long-term assets
• Helps offset the gap between when inventory is purchased and when sales revenue comes in
• Particularly useful for liquor stores, which experience significant seasonal demand spikes (holidays, summer, local events)

Common Use Cases

• Pre-holiday inventory buildup (Thanksgiving, Christmas, New Year's, Super Bowl)
• Covering payroll during slower months
• Restocking fast-moving SKUs without depleting cash reserves
• Managing supplier payment timing

How Repayment Can Work

• Some products use fixed monthly payments (similar to a term loan)
• Others use revenue-based repayment — a percentage of daily or weekly sales is applied toward repayment, meaning payments flex with business performance
• Revenue-based structures mean lower payments during slow periods and faster payoff during busy seasons

What Lenders Evaluate

• Consistency of daily/monthly sales volume
• Bank statement history (typically 3–6 months)
• Time in business
• Active liquor license status