Capital when your store needs it most — Convenience Store Loans
Fast loans for convenience store owners to fund startups, expansions, equipment, and working capital—without the weeks-long bank process.
Soft inquiry only. No impact to your credit score.
4.9 Excellent · 3,200+ reviews via Big Think Capital- working capital
- franchise loans
- equipment financing
- inventory funding
- same-day approval
- bad credit eligible
- asset-based lending
- quick close
Small business loans and financing for convenience store owners and operators
Financing options matched to your situation, in one place.
- STARTUP Convenience store startup loans Capital to cover lease deposits, permits, initial inventory, and build-out for new c-store locations.
- EXPANSION Store expansion and remodel financing Grow your footprint: fund new locations, add pumps, modernize interiors, or upgrade payment systems.
- EQUIPMENT Convenience store equipment loans Finance coolers, POS systems, fuel dispensers, or kitchen equipment without tying up cash reserves.
- CASH FLOW Working capital and inventory loans Bridge seasonal swings, restock high-margin products, and keep operations smooth during slow seasons.
- $5K–$500K Loan amounts available
- 24–72 hours Typical approval window
- 1 soft inquiry No hard credit pull upfront
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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After just starting my trucking business I was strapped for cash. Matt took care of me and made sure I got the loan.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
No weeks-long bank delays
- Decisions in hours or one business day, not 30-day loan committee reviews.
- Same lenders who understand c-store margins, seasonality, and cash flow patterns.
Bad credit considered
- Recent credit hiccups don't disqualify you if your store runs solid numbers.
- Many lenders focus on business performance and collateral, not just FICO scores.
Flexible use and terms
- Use capital for startup, remodel, equipment, franchise fees, or day-to-day operations.
- Loan terms scaled to your revenue and cash flow, not rigid bank templates.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Bank says no to startup stage
Traditional banks want 2+ years of tax returns and established credit lines; new c-store owners rarely have both.
Credit score too low for conventional
Banks use hard FICO thresholds (often 650+) and won't budge; one late payment can kill your application.
Store financials don't fit the mold
Banks demand perfect P&Ls and three years of records; seasonal or cash-heavy c-stores don't always show clean bookkeeping.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
First-time franchisee, Dallas metro
Franchise fee, store setup, initial stock to open a branded convenience store location.
Established owner, 3 locations
Fuel pump upgrade, inside cooler replacement, and POS system modernization across all three stores.
Solo operator, family c-store
Restock premium beverages and snacks for summer season; bridge a two-month cash gap.
Owner with prior bankruptcy
Expand into new location with proven rental history and strong monthly store deposits.
Related financing for store owners
Beyond loans: learn about SBA options, equipment leasing, vendor credit lines, and fuel supply agreements that pair with your financing strategy.