The process
How it works
From your first question to funds in your account. Here's exactly what happens.
Step 1: Get your estimate (2 minutes)
Fill out our short pre-approval form: how much you need, what it's for, your monthly sales, and how to reach you. You'll see an estimated funding range right away. It won't affect your credit.
Step 2: Talk to your specialist
Marie Lokmanyan reviews your request and gets back to you the same business day to talk it through. To turn your estimate into real numbers, Marie will ask for:
- Your 3 most recent business bank statements
- A copy of your driver's license
- Basic business details (legal name, address, tax ID)
Step 3: Get approved
Once your 3 most recent bank statements are in, you can be approved the same day. You'll see the amount, term, payment, and total cost before you commit to anything.
Step 4: Get funded
Sign your documents electronically and the funds are wired to your business bank account, typically within 3–7 business days.
What's the typical program?
| Details | |
|---|---|
| Amounts | $5,000 to $1.5 million |
| Terms | Fixed repayment terms up to 36 months |
| Payments | Fixed weekly payments that don't rise when your sales do |
| Callback | Same business day |
| Approval time | Same day, once your 3 most recent bank statements are in |
| Time to funding | 3–7 business days |
| Credit impact to check | None |
| Basic requirements | Own an operating store 30+ days; ~$17,000+/month in sales; ~575+ credit |
What if my store isn't a fit?
If you're opening a new store, buying one, or buying real estate, the best route is usually an SBA or bank loan. Your specialist will tell you that up front, and our owner guides explain how those loans work.
What does it cost to use Liquor Stores Financing?
Nothing. Our review is free, and you're never obligated to accept an offer. See our disclosures for how we're compensated.