Industry Funding

Business Loans & Funding for Liquor Stores and Package Stores

Liquor stores and package stores run on inventory — shelves and coolers full of product that must be bought and paid for well before it sells, with the single biggest selling stretch of the year, the winter holidays, requiring a substantial stock-up months in the making. That inventory capital is the central financial challenge of the business, and it is exactly what traditional bank lending handles poorly. Y Millennial Funding provides business funding for liquor stores and package stores — independent liquor stores, package stores, wine and spirits shops, and beverage retailers — doing $300,000 or more in annual revenue. We underwrite based on revenue patterns and bank or card settlement strength rather than the inventory as collateral or credit score alone, which sidesteps the slow valuation that makes traditional bank inventory lending hard to access. Funding is structured as a percentage of revenue, so remittance flexes with actual sales — lighter during slower stretches, larger during the holidays and other peak periods. Liquor store operators use funding to purchase inventory and stock up ahead of peak selling periods, to capture distributor pricing and bulk discounts, to renovate stores and upgrade coolers and refrigeration, to cover point-of-sale and security systems, to acquire an existing store, and for working capital through slower periods. Decisions are fast, which matters when a seasonal stock-up or a distributor pricing opportunity will not wait. A merchant cash advance is not a loan; it is the purchase of future receivables. Not all applicants qualify, and approval depends on revenue patterns, time in business, deposit consistency, regulatory standing, and other factors.

Merchant cash advances are not loans. Funding amounts, terms, and timing vary based on business performance and underwriting. Not all applicants qualify.