Stock More. Buy Smarter. Keep Cash Available.
Financing and working-capital solutions for independent liquor store owners.
Prepare for seasonal demand, purchase inventory, take advantage of supplier opportunities, upgrade equipment, expand your store, or finance another location without relying on a one-size-fits-all financing product.
Before You Tie Up Cash in Inventory, Watch This.
Inventory opportunities don't always arrive when cash flow is convenient. See how financing can help qualified liquor store owners preserve operating cash while preparing for seasonal demand, larger inventory purchases, supplier opportunities, equipment needs and expansion.
VIDEO COMING SOON — Liquor Store Capital Strategies — 60-Second Overview
Your Best Inventory Opportunities Don't Always Arrive When Cash Is Available.
A supplier offers favorable pricing on a larger purchase. A high-demand product becomes available. Seasonal inventory needs to be ordered before the sales occur. You have an opportunity to expand a profitable category. Or you're ready to grow the business.
Those opportunities can require capital before the inventory generates revenue.
- Preserve Cash
- Increase Purchasing Power
- Prepare for Demand
- Act on Opportunities
Prepare Now for Holiday Inventory Demand.
The holiday season can create significant inventory requirements for liquor store owners. Additional working capital may provide flexibility to increase inventory, make larger supplier purchases and prepare for customer demand while preserving cash for other operating needs.
- Holiday inventory
- Larger supplier orders
- High-demand products
- Volume purchasing opportunities
- Operating cash flexibility
What Could Additional Capital Help You Accomplish?
- Inventory
- Supplier opportunities
- Working capital
- Equipment & store improvements
- Expansion
- Additional locations
- Business acquisition
- Commercial real estate
One Store. Different Capital Needs. Different Financing Solutions.
| Capital Need | Potential Financing Path |
|---|---|
| Seasonal Inventory | Working Capital / Line of Credit |
| Supplier or Bulk Purchase | Working Capital / Line of Credit |
| Equipment | Equipment or Term Financing |
| Store Renovation | Term / Business Financing |
| Expansion | SBA / Conventional / Alternative Financing |
| Purchase Another Store | SBA / Acquisition Financing |
| Purchase Commercial Property | SBA / Commercial Real Estate Financing |
| Refinance Existing Debt | Refinancing / Consolidation Review |
Financing options are subject to borrower, business, lender and transaction qualifications. The appropriate structure will depend on the specific financing request.
Don't Wait Until You Need the Money.
Large inventory orders, supplier opportunities and unexpected business needs don't always occur when cash flow is convenient.
BE READY BEFORE THE OPPORTUNITY ARRIVES.
More Than One Financing Product.
Norman Capital Mortgage works with business owners to evaluate financing based on the purpose of the capital, the financial profile of the business and the transaction itself.
Understand the Need
Evaluate the Options
Structure the Capital
Your Commercial Finance Advisor
Rod Norman
With extensive experience in commercial and business-purpose finance, Norman Capital Mortgage works with business owners seeking capital for working capital, expansion, acquisitions, commercial real estate and other business needs.
Request Your Complimentary Liquor Store Capital Review
Tell us a little about your business and what you're considering. We'll use the information to evaluate potential financing paths.
Frequently Asked Questions
What can liquor store financing be used for?
Depending on the financing program and qualifications, capital may be available for inventory, working capital, equipment, renovations, expansion, acquisitions, commercial real estate and other eligible business purposes.
Can financing be used to purchase inventory?
Potentially. Certain working-capital and line-of-credit programs may allow qualified businesses to use proceeds for inventory and other operating needs.
Do I have to use the entire line of credit?
That depends on the financing structure. Revolving lines of credit are generally designed to provide access to approved capital as needed, subject to the specific lender's terms.
Can NCM finance the purchase of another liquor store?
Potentially. Business acquisitions may qualify for SBA, conventional or other acquisition-financing structures depending on the borrower and transaction.
Can financing include the building?
Potentially. If commercial real estate is involved, NCM can evaluate commercial real estate and SBA financing options as part of the Capital Review.
How quickly can financing be completed?
Timing varies substantially by financing product, borrower qualifications, documentation and transaction complexity. Some working-capital products can move considerably faster than SBA, acquisition or commercial real estate financing.
Will requesting a Capital Review guarantee approval?
No. A Capital Review is an initial evaluation and does not constitute an approval, commitment or guarantee of financing.