A liquor store business loan can be used for many purposes, including equipment – new liquor store displays, wine racks, or even inventory for your liquor or wine retail and e-commerce store. We have the liquor store financing tools you need to grow. Get started and compare small business loans with Upwise today.


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Liquor Store Business Loans: How They Can Help You

The financial side of running a liquor store can be one of the most difficult tasks of a retail business. Whether you’re a brick and mortar store or an e-commerce seller, we understand that liquor businesses need support. It might seem overwhelming to maintain cash flow through the unexpected ups and downs. That’s where business loans for liquor companies can help.
Open a New Location or Upgrade Your Store Fixtures
If you are a small business owner looking to remodel your liquor store or open a new location, then a liquor store business loan can be used to finance your renovation project. Additionally, if you need a business loan for liquor store equipment, see our financing and leasing options.
What can a Liquor Store Business Loan be used for?
Purchase New Inventory
- Importantly, varying sales can deplete inventory and impact customer satisfaction not having the right sizes
- Liquor store inventory financing can be taken advantage of to purchase inventory, which can increase your wholesale purchasing power for merchandise
Hire More Staff
- With liquor store business financing, you can address the need for hiring more staff during busy times of the year
- Apart from financing hiring, you may also use funds from a liquor store loan for training costs and payroll to keep your employees happy
Marketing & Advertising
- Use a liquor store loan to advertise and grow your customer base or promote a new store location
- Build or optimize your website, add new signage, or place a magazine or newspaper ad to generate new customers
Manage Cash Flow
- Maintain your capital cash flow to manage expenses when experiencing unforeseen retail issues
- Utilize a liquor store inventory financing loan to stock your store with the newest, highly sought after liquor brands
New Retail Equipment
- You can use a retail business loan to buy new liquor store equipment, fixtures and shelving displays
- Use equipment leasing and financing to purchase all types of liquor store equipment to improve customer experience
Seasonality
- Put yourself ahead of the competition using a liquor store business loan throughout the different seasons
- Have the extra funds to acquire seasonal and holiday products in advance to meet your customers demand
6 Best Liquor Store Business Loan Options
Inventory Financing for Liquor Stores
Inventory financing can be a great option for a liquor store business loan, especially if you need the funds to purchase new merchandise. Many retailers we come across need to stock up on inventory going into a busy season, such as a holiday’s or summer time. For instance, liquor store business owners will buy way in advance to ensure the store has enough inventory to meet the demand of the busy seasons. Liquor store inventory financing is a popular choice amongst retailers of all kinds.
Working Capital for Liquor Stores

The liquor industry has unique challenges when it comes to managing cash flow and working capital. Undoubtedly, staffing, payroll, receivables and collections are some of the issues we see retailers face. Therefore, you can use a working capital liquor store loan to bridge the gap between the time you receive payment and meeting your capital needs. Working capital loans provide a fixed amount of money, with a fixed cost which are paid back over a term of 3-18 months.
Equipment Financing for Liquor Stores
An equipment financing loan can be a great option for a liquor store loan, especially if you are looking to lease or finance new fixtures or displays. Many retailers utilize new displays and equipment in order to show off their goods to give the best shopping experience. Therefore, a new piece of equipment can certainly have a huge impact on the growth of the business. A business loan for liquor store equipment is usually structured as a lease to purchase or a fixed-term loan.
Term Loan for Liquor Stores
A business term loan is another great option for liquor industry companies. Term loans are meant for those established retailers. In other words, those that are showing a profit on their most recent tax returns, have been in business at least 2 years and have a good credit score. The proceeds from this type of liquor store loan can be used for a multitude of business purposes such as marketing, expansion or remodeling.
SBA Loans for Liquor Stores
A Small Business Administration loan or SBA loan is a loan guaranteed by the Small Business Administration. On the contrary, the SBA is not the lender, but they do guarantee the loan through an approved SBA lender. Even so, a liquor store SBA loan is a highly desirable financing product, however the process is long with many paperwork requirements and high credit standards. See how an SBA loan for a retail business can help you.
Line of Credit for Liquor Stores
Liquor store business lines of credit have the flexibility that other loans do not. Similar to a credit card in the sense that it’s a revolving line of credit which allows you to draw funds as you need it. Also, you only pay interest on the funds that you draw. Additionally, early repayment discounts work great for retailers because once you’ve finished using the money, you can pay it back and save drastically on interest.
How to Apply for a Liquor Business Loan
Liquor Store Funding Solutions
to Boost your Success
Small business liquor store loans are easy to secure. It only takes a few minutes to apply, and Upwise will present you with options.
Applying won’t impact your credit score.


Why Upwise for Liquor Stores
- We Know Liquor Businesses
- Trusted by Companies Like Yours
- Personalized Experience
- Fast & East Application Process
- Loan Specialists Who Are Wiser & Care
- Transparent Terms & Automatic Payments
Types of Liquor Companies We Serve

We offer liquor store business loans to a wide range of industries and companies. You deserve options. Therefore, Upwise provides liquor store working capital, lines of credit for liquor companies, commercial loans, business loans for liquor stores, liquor store equipment financing, business term loans, real estate financing and other liquor business financing options, to meet all your needs. So, here are some of the retail companies & industries we’ve worked with:
- Liquor Stores
- E-Commerce Liquor Store
- Alcohol Distribution Retailers
- Spirits Company
- Specialty Liquor Stores
- Discount Liquor Stores
- Super Liquor Stores
- Beer Shops & Brewery's
- Manufacturers
- Mobile Retailers
Compare All Liquor Store Business Loan Options
- Business Term Loan
- Line of Credit
- Equipment Financing
- Invoice Financing
- Short Term Loan
- Working Capital Bridge
- SBA Loan
- Real Estate
- Account Receivables
Max Loan Amount
$25K to $20MM
Profitability
Shown on Tax Returns
Loan Term
5 to 30 Years
Credit Score
620+
Interest Rate
7 % - 30 %
Time in Business
Greater than 2 Years
Speed
As Fast As 2 Days
Annual Revenue
Over $200K
Term Loan
A traditional business term loan is a lump sum of capital that you pay back with regular repayments at a fixed interest rate. The “term” in “term loan” comes from its set repayment term length, which will typically be one to five years long. Most business owners use the proceeds of term loans to finance a specific, one-off investment for their small business.
- Bi-Weekly & Monthly Payments
- Longer Payment Terms
- Lower Interest Rates
Loan Amount
$5K to $250K
Unsecured Line of Credit
Loan Amount
$100K to $10MM
Secured Line of Credit
Loan Term
6 Months to 2 Years
Credit Score
500+
Secured Line of Credit: 620+
Interest Rate
7 % - 25 %
Time in Business
Greater than 1 Year
Speed
As Fast As Same Day
Annual Revenue
$150K+
Business Line of Credit
A revolving business line of credit gives access to a pool of funds to draw from when a business owner needs capital. Unlike a traditional business loan, you have the flexibility to borrow up to a set amount, repaying only the amount you withdraw, plus interest.
- Weekly or Monthly Payments
- Only Pay Interest on the Funds you Draw
- Save on Interest by Paying Back Early
Max Loan Amount
100% of Equipment Value
History
Good Financial History
and Tradelines
Loan Term
1 to 8 Years
or Expected Life of Equipment
Credit Score
500+
Interest Rate
As Low As 4 %
Time in Business
6 Months +
Start Ups Encouraged to Apply
Speed
As Fast As 2 Days
Annual Revenue
100K+
Equipment Financing
Equipment financing helps you finance up to 100% of the new or used equipment you need for your business. A fast and easy way to finance the purchase of all types of equipment. With a secured loan against your equipment, you can take advantage of the equity in your existing equipment, or use newly-purchased equipment as collateral.
- Avoid large upfront costs for equipment purchased
- Equipment used as collateral
- Monthly Payments
Max Loan Amount
Up to 100% of Invoice Amount
Invoices
From Credible Clients
Repayment
When Customer Pays Invoice
Credit Score
Over 600+
Factor Rate
8 % - 30 %
Time in Business
Greater than 1 Year
Speed
As Fast As Same Day
Annual Revenue
150K+
Invoice Financing
Invoice financing is a type of asset-based financing that allows business owners to free up unpaid invoices. With invoice financing, you can get a fast advance of about 85% of the value of your invoices, with most of the other 15% paid to you later.
- No Need to Wait for Invoice from Customers
- Low Interest Rates
- Invoice is used as Collateral
Loan Amount
$5K to $5MM
History
Positive Payment History
Loan Term
3 Months to 2 Years
Credit Score
500+
Interest Rate
9.99 % - 24.99%
Time in Business
6 Months +
Speed
As Fast As Same Day
Annual Revenue
120K+
Short Term Loan
Short-term business loans are lump-sum loans that are designed to be paid back in less than 18 months. They can be a flexible financial tool, best used for financing short-term needs—including managing cash flow, dealing with unexpected needs for extra cash, bridging larger financing options, paying off expensive debt, or taking advantage of unforeseen business opportunities.
- Bad Credit Accepted
- Minimal Paperwork & Fast Funding
- Prepayment Discounts for Early Payoff
Loan Amount
$5K to $5MM
History
Positive Payment History
Loan Term
3 to 18 Months
Credit Score
500+
Factor Rate
1.10 - 1.36
Time in Business
Greater than 3 Months
Speed
As Fast As Same Day
Annual Revenue
120K+
Working Capital Bridge Loan
With this product, you are advanced cash in exchange for a percentage of your daily credit card and debit card sales, or your monthly revenue. Working Capital can be a quick and easy way to get a business cash advance with no need for collateral, even if you don’t have a good credit score.
- Minimal Paperwork, Easy Approval & Fast Funding
- Prepayment Discounts for Early Payoff
- Bad Credit Accepted
Loan Amount
$5K to $5MM
Loan Amount
$350K
SBA 7(a) Small & Express Loans
Loan Term
5 to 30 Years
Credit Score
650+
Interest Rate
Starting at 6.75 %
Time in Business
Greater than 2 Years
Speed
As Fast As 2 Weeks
Annual Revenue
Over $200K
SBA Loan
SBA loans are the government-backed loans your business needs. The U.S. Small Business Administration (SBA) is a federal agency designed solely to help small businesses get the funds they need. The SBA doesn’t actually lend you any cash, yet it establishes guidelines and guarantees portions of those loans by an approved SBA lender.
- Monthly Payments
- Longest Payment Terms
- Low Interest Rates