Business Loans
for Liquor Stores

Quick Business Funding, as Fast as Today!

Shield Funding has been helping liquor stores with small business loans for over 10 years. We know that it’s a hard business, and we can help you get through the tough periods in running your own liquor store. When things are going well, we can help you take advantage, too.Liquor stores are known for having small profit margins—but they can be fun to own and operate. And there will always be a market for them, so many business owners find it to be a rewarding career.

In a highly regulated industry like alcohol sales, there are a lot of things to think about when running your business. And with thin margins, expanding can be hard, especially when there is a need for additional capital. Shield Funding understands that a liquor store can experience unprecedented growth with adequate business funding which is why we make the process fast and easy and you can get start the process immediately.

Get Your Business Loan Today

What Do I Need to Qualify?

Below is a list of the requirements to get approved for business funding with our most basic program.

  • At Least 3 Months in Business
  • 530 Min. Credit Score
  • $10,000 Min. Monthly Revenue
  • How Do I Apply?

    Applying has never been easier. You can either call our toll free number 24 hours 7 days a week at


    Submit your online application by clicking apply below and entering a few basic details about your business.

    Types of Business Loans Available

    Small Business Loans

    This is what you think of when you think of a business loan—you get a lump sum of up to $1,000,000 and pay it back in monthly installments. These funds can be used for anything related to your business, from buying more inventory to paying your employees to leasing a new location to expand your reach if you are considering a business loan for a bar. Also, if your existing liquor store has seasonal swings, these alternative business loans can also help you weather these slow cycles.

    As an alternative lender, we offer lower interest rates than many traditional banks. If you’ve been in business for two months or more and bring in at least $8,000 in monthly revenue, you can qualify for an interest rate as low as 5%.

    That means you can take advantage of opportunities even when you don’t have cash on hand. And you won’t pay an arm and a leg to cover the interest or fees.

    Merchant Cash Advance

    Getting a business loan for a liquor store can be difficult. We don’t think it should be harder because of the industry you are in. Which is why we work to provide business cash advances for business owners with bad credit.

    As long as your credit score is 500 or higher, and you process credit and debit cards, you can qualify for a merchant loan with Shield Funding. Getting a loan from a traditional lender like a bank is almost impossible without fantastic credit. But we’re here for you.

    If you’ve been in business for two months or more and bring in $8,000 of monthly revenue, you can qualify for up to $1,000,000 in funding. That will help you get your liquor store off the ground. And you can get an interest rate as low as 12%, even with bad credit.

    Unsecured Business Loans

    Most banks require that you provide collateral for business loans. That means putting your liquor store on the line just to get enough money to run or expand it. We don’t like that idea, so we don’t require any collateral.

    You can still get up to $1,000,000 in unsecured funding. That’s enough to open a big expansion, improve the services you offer, or even buy a new location. Whatever you need the money for, you can get it without putting your business at risk.

    And we offer unsecured business loans at interest rates as low as 9%—we don’t take advantage of you for not wanting to put up collateral. As long as you’ve been in business for a year and have a $10,000 of monthly revenue, you can qualify.

    Business Line of Credit

    Being able to make quick decisions is crucial in the retail business. If a wholesaler is offloading their stock, a competitor is going out of business, or another opportunity arises, you need to be able to take advantage of it.

    That’s where a business line of credit comes in. It’s like a credit card, but has a much lower interest rate in the range of 5–10%. You can spend up to $250,000 at a time and pay it back in monthly installments, just like a business card.

    To qualify, you’ll need a credit score of 650 or higher, six months in business, and $10,000 in monthly revenue. If you meet those requirements, you can start using your business line of credit to run and grow your business.

    Apply Directly to One Source!

    Work with a direct lender and get a business loan as fast as the same day. Shield Funding offers competitive rates and terms on all it’s funding programs. Apply now with a trusted lender that has been helping business owners secure working capital for almost two decades.

    Business Financing Tips to Use When Running a Liquor Store

    Keeping Inventory Current

    You can expect to spend 60–80% of your cost of goods sold on inventory. That’s a big chunk of your revenue. And if you plan on expanding your selection, you could spend more than 100% before you start making it back in sales.

    Lots of people have a favorite beer, wine, or spirit that they look for when they’re shopping at liquor stores. And if you’re sold out of a particular item, they’ll go elsewhere. If you’re lucky, they’ll come back . . . if not, you’ve just lost a customer.

    It’s easy to get behind on buying stock because of the great expense. But keeping popular items in stock is crucial for offering a good customer experience.

    And if you ever get the chance to buy extra stock at a good price, it’s worth taking out a small business loan to make it happen.

    Expanding Your Offerings

    While everyone has a favorite, many people also prefer variety at liquor stores. So it’s good to offer both the popular standbys and an interesting selection. It can help bring in a lot more revenue.

    For example, did you know that 40% of American adults drink wine? It’s a $70 billion market. That’s a huge potential market, and if your wine selection isn’t up to par, you’re not taking advantage of it.

    The average consumer is becoming more knowledgeable about wine, and if you don’t match their expectations, you can expect them to go elsewhere. Many liquor stores have employees dedicated specifically to helping people find the right wines or special order them from distributors.

    In a saturated market like liquor stores, it’s worth thinking about how you might stand out. Could you offer wine tastings? Run short classes on how to pick the right wines? Stock more local wines than anyone else?

    These are the kinds of things that help liquor stores stand out. You don’t need to offer a huge wine selection. But you do need to think about how you can stand out with a great customer experience. It will pay off in the long run, even if you have to take a business loan to make it happen.

    Permits for Expansion

    Expanding a liquor business to a new location is expensive. You’ll need money for rent or purchase, but you’ll also need a permit for selling alcohol. Depending on the state you live in, that can cost anywhere from $3,000–14,000.

    Adding $10,000 or more to the cost of your expansion can tip the scales from affordable to bank-breaking. This is especially true if you’re expanding in the same year that you need to renew the permit for your first location. If permitting requirements change, you’ll have even more to deal with.

    Keeping your permits up to date for all of your locations is of paramount importance. If you’re found to be in violation of your city or state permit, you could face serious fines or forced closure.

    Which is why it’s so crucial to have the money on hand to make sure you have a permit.

    A High-Traffic Location

    If your liquor store is absolutely fantastic, you might draw people from all around. But the most likely possibility is that people will choose your store out of convenience. If it’s on their way home from work or near the grocery store, they’ll swing by when they have a chance.

    The same is true of a location that sees a lot of foot traffic. Being in or near a shopping center or a downtown area can bring in a lot of customers that wouldn’t have otherwise shopped at your store.

    Of course, these locations aren’t cheap. You could easily pay $10,000 or $15,000 a month for a good location in a mid-size city. Larger cities or tourist destinations will command even higher prices.

    Paying high rent for a great location will pay off. But if you’re expanding, it could put you in a tough spot. Can you afford to pay tens of thousands of dollars before you’ve made a single sale from your new location? If not, a business loan can help.

    Are you looking to expand your beer, wine, or spirits business? Do you need some help to get past a rough patch? We can help. Get in touch today and we’ll chat about how we can get you the money you need to succeed!

    Get Started on Your Small
    Business Loan

    Looking for fast business funding without the hassle? Work with a direct lender for same-day funding! Avoid endless calls and broker fees. Apply now and get funded as fast as today!