Financing for Liquor Stores

With decades of experience providing liquor store financing, our team of seasoned loan consultants specialize in providing the trusted lending services you need to keep your liquor store profitable and on track to achieve long-term goals. It doesn’t matter if you need cash to purchase inventory or are looking to capitalize on a new opportunity, we can provide you access to the right loan products, and we can do it fast. At ARF, our focus is to get you the unsecured working capital you need when you need it, all while providing seasoned guidance to help you maximize your return on investment.

While the industry has maintained their sales throughout the pandemic, capital remains the key to overcoming short-term cash shortfalls to cover inventory or seizing long-term opportunities like opening another location. Our liquor store loans and lines of credit can provide you access to the funds you need in as little as 3-5 days! When it comes to liquor store financing, our team of experienced loan consultants specialize in providing the trusted financial guideance you need to keep your business profitable and on track to achieve your long-term goals.

At ARF, our focus is to get you the capital you need when you need it, all while providing seasoned guidance to help you maximize your return on investment. Confidently approach wholesalers for best volume pricing for your store when you have the capital needed to make it happen.

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Common Uses of our Liquor Store Financing

At ARF Financial, we understand the how erratic the business landscape is today. As such, liquor store business owners use our financing for a variety of reasons. Even without an immediate need they are establishing credit lines now. Being prepared is smart. Merchants know opportunities and/or unplanned expenses can arise quickly and having access to committed working capital allows them to be prepared. There are many reasons a liquor store owner might need a working capital loan or line of credit. Below are just a few:

Opening another location

Expansion projects

Storefront renovations & remodels

Purchasing inventory in bulk

Investing in new signage

Upgrade your POS system

Start a new marketing campaign

Buy out a business partner

When choosing a business lender it’s important to compare loan amounts and repayment terms because…

Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

You can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan amount is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won’t interfere with your cash flow!

Check out the comparison.

Completing an application only takes 10 minutes and won’t affect your credit.

The Difference is Insight

Purchasing Inventory During Peak Seasons

When it comes to running a liquor store, we understand the large seasonal variation in sales that business owners like you are faced with. Being prepared for seasonal fluctuations by having committed working capital allows you to flourish during all seasons. By establishing a line of credit with 24-hour availability for your business, ARF Financial can help you be ready for the unexpected.

Renovate or Expand to Offer New Products

Are you looking to renovate your existing location? Perhaps you want to offer new products to attract more business? No matter what your future holds, Flex Pay Loans from ARF Financial allow you to capitalize on your business potential now and worry about payments later. With Flex Pay you have the freedom to defer up to 50% of your loan principal into the future,  allowing you to grow now while taking advantage of low weekly payments.

Use our Loan Calculator to Find Out How Much You Qualify For:

Use our Loan Calculator to determine the potential loan amount you may qualify for. Move the sliders below to indicate your business’s annual sales, time in business, your credit score, whether you own a home, and if you’ve declared bankruptcy and the calculator will serve up your potential loan amount based on 12, 18, 24 and 36-month terms!

Annual Sales
Time in Business
FICO Score
Please select an option
Please select an option
Term Loan Amount
12 month
18 month
24 month
36 month

Loan amounts may be increased with the review of tax returns and financials. Time in Business – Must be operating under the same ownership and concept. Homeownership – Home must be in your name. Bankruptcy – Includes personal and business bankruptcy

Terms & Conditions

ARF Financial LLC is an exclusive third party originator and servicer of commercial loans for state charted community banks throughout the United States (“Partner Banks”), (collectively herein referred to as “Lender”). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender’s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the personal credit of any guarantor and/or any information available from the public domain relating to the business’ or the guarantor’s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant’s business entity with the State where they are located; or any other information that may reflect on the business or guarantor’s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.

Quick & Easy Online Application

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Use our online application to get approved for funds in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit.

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