{"id":4143,"date":"2025-11-18T16:28:52","date_gmt":"2025-11-18T21:28:52","guid":{"rendered":"https:\/\/exnoir.site\/?p=4143"},"modified":"2025-11-18T16:28:52","modified_gmt":"2025-11-18T21:28:52","slug":"liquor-store-inventory-financing","status":"publish","type":"post","link":"https:\/\/exnoir.site\/liquor-store-inventory-financing\/","title":{"rendered":"5 Fastest Liquor Store Inventory Financing Options"},"content":{"rendered":"

Inventory financing can help liquor stores secure quick funds to purchase stock and fill their shelves. Liquor stores often use them when their working capital<\/a> is tied up in unsold inventory, and they need to restock bestsellers or stock up for peak seasons.<\/p>\n

Yet, we see many liquor stores struggle to secure fast financing as banks often take 60 to 90 days to evaluate their applications and fund loans.<\/strong> Liquor stores usually can\u2019t afford to wait this long for funds because they need to stock their shelves immediately.<\/p>\n

In addition, banks typically view liquor stores as high-risk and have overly strict eligibility requirements for them, such as near-perfect credit, large profit margins, extensive cash reserves, low debt-to-income, down payments, and more.<\/p>\n

Instead of traditional small business loans<\/a>, revenue-based financing tends to be a better choice for liquor stores.<\/strong> These financing options mainly evaluate your monthly revenue, which has three advantages:<\/p>\n

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  1. Easier qualification: <\/strong>Since the main consideration is revenue, all you need to do is meet the minimum revenue requirement. You don\u2019t have to worry about credit, collateral, profit margins, or cash reserves, like with traditional banks, making it easier to qualify.<\/li>\n<\/ol>\n
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    1. Fast funding:<\/strong> Revenue-based financing only requires a few months of bank statements that show you meet the revenue minimum. This lightweight paperwork expedites the approval process and allows you to secure funds quickly. With EX NOIR® Financials, for example, we can close on the day you apply.<\/li>\n<\/ol>\n
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      1. Larger loan amounts:<\/strong> Liquor stores can secure inventory financing worth 200% of their monthly revenue with revenue-based financing, while banks typically lend a maximum of 50%. This can help liquor stores capitalize on supplier discounts that may only be available through larger orders.<\/li>\n<\/ol>\n

        In this article, we explain how liquor stores can secure affordable inventory financing within 24 hours with EX NOIR® Financials, requiring just 4 months of bank statements. At the end, we cover some alternative sources of financing so you can compare options.<\/p>\n

        Ready to apply? <\/em>Submit four months of bank statements<\/em><\/strong><\/a> and we\u2019ll send you inventory financing offers that can be funded as early as today or tomorrow.<\/em><\/p>\n\n\n\n\n<\/colgroup>\n\n\n\n\n\n\n\n\n
        Funding Features<\/strong><\/td>\nWHY EX NOIR® Financials<\/strong><\/td>\nOther Lenders<\/strong><\/td>\n<\/tr>\n
        Eligibility requirements<\/td>\n$30,000 in monthly revenue, one year in business, and U.S-based.<\/td>\nNear perfect credit, large profit margins, low debt-to-income, cash reserves, collateral, no prior judgements or liens, and more.<\/td>\n<\/tr>\n
        Paperwork requirements<\/td>\nA 4-month bank statement.<\/td>\nFinancial statements, tax returns, cash flow forecasts, business plans, accounts receivable reports, and more.<\/td>\n<\/tr>\n
        How quickly can they close?<\/td>\nOn the same day you apply.<\/td>\nWithin 60 to 90 days.<\/td>\n<\/tr>\n
        Do you need collateral or cash reserves?<\/td>\nNo.<\/td>\nMost of the time.<\/td>\n<\/tr>\n
        Can you qualify with bad credit?<\/td>\nYes.<\/td>\nNo. Most lenders require near perfect credit.<\/td>\n<\/tr>\n
        Do they reject your application at the last-minute?<\/td>\nNever. We give you a concrete yes-or-no hours after you submit an application.<\/td>\nYes. This is very common.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

        1. EX NOIR® Financials<\/h2>\n

        Secure Same-day Liquor Store Inventory Financing with Just 4 Months of Bank Statements<\/h3>\n

        \"EX<\/p>\n

        We designed our inventory financing requirements so that it\u2019s possible for most liquor stores to qualify:<\/p>\n

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        1. $30,000 in monthly revenue<\/li>\n
        2. One year in business<\/li>\n
        3. A U.S location<\/li>\n<\/ol>\n

          Because our primary consideration is your monthly revenue, all you need to apply is a 4 months of bank statements<\/strong> that reflects your earnings. You don\u2019t have to collect and submit profit and loss statements, tax returns, inventory documentation, financial statements, cash flow forecasts, business plans, and other paperwork that banks ask for.<\/p>\n

          Thanks to this simple, low-paperwork process, you can get funded the same day you apply<\/a>.<\/strong> Unlike banks, we don\u2019t spend 60 to 90 days underwriting mountains of paperwork and scrutinizing every aspect of your business.<\/p>\n

          In fact, there have even been cases of liquor store owners that ran out of best-selling stock and needed to restock urgently, and we got them funded in just four hours.<\/strong><\/p>\n

          How to Apply for Liquor Store Inventory Financing<\/h2>\n

          Applying for liquor store inventory financing with EX NOIR® Financials takes less than five minutes:<\/p>\n

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          1. Upload 4 months of bank statements<\/strong><\/a> demonstrating your liquor store’s revenue.<\/li>\n<\/ol>\n
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            1. Our underwriters review your bank statement, <\/strong>run a soft credit check that doesn\u2019t impact your personal credit score, and send multiple offers within a few hours.<\/strong> These can include term loans, working capital loans, cash advances, and business lines of credit<\/a>. Each offer outlines the loan amount, total repayment, repayment timeline, and payment frequency (weekly, monthly, or quarterly).<\/li>\n<\/ol>\n
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              1. Choose the offer you prefer<\/strong> and send us an email with your decision.<\/li>\n<\/ol>\n
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                1. Once you\u2019ve accepted, you receive the funds in your account within a few hours.<\/strong> From submitting your bank statements to receiving funds, the whole process takes under 24 hours.<\/li>\n<\/ol>\n

                  Compare this with banks and credit unions\u2019 SBA loan programs. You\u2019ll need to book an appointment to talk with a loan officer, whether in person or virtually, and explain your business, why you need a loan, and how you plan to repay it.<\/p>\n

                  The loan officer informs you of the required paperwork. You collect and submit tax returns, balance sheets, business plans, liquor licenses, inventory reports, and any other documents they ask for.<\/p>\n

                  The bank begins evaluating and underwriting your application, which takes 60 to 90 days. Your application could be rejected days before funding, for example if they encounter problems 80 days into the underwriting process.<\/p>\n

                  Types of Liquor Store Inventory Financing We Offer<\/h2>\n

                  There are four main types of loans liquor stores can use to finance inventory purchases:<\/p>\n