A package store is a stocking business: shelves that look full sell, shelves that look thin do not. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →A liquor or wine shop makes money by buying cases, turning them into shelf space and moving the bottles. Between those steps, cash sits on shelves and in the back room. The more the store carries, the more it can offer, and the more of the owner's working capital is tied up in glass.
That is a different balance sheet from a restaurant, where food spoils in days, and different from a service business, where nothing is stocked at all. A package store's trouble is not spoilage. It is sizing the order correctly for the next few weeks of demand.
The weeks before major holidays, tailgate seasons and big sports events pull in more customers than any other time. To meet that demand the owner has to order earlier, in bigger volume, than normal weeks. Those invoices come due before most of the extra sales arrive.
A customer who comes for a favorite bottle and finds it gone buys elsewhere, and may buy the rest of the basket there too. The cost of an empty shelf is the whole sale, not the margin on one bottle.
Here is a rough method, using round numbers for illustration only, not our terms or typical outcomes. Suppose a store wants to add $30,000 of wine and spirits ahead of a busy season. The owner can ask three questions:
If the answers show that the stock would turn quickly and the cash gap is short, working capital makes sense. If a large part of the order is slow-moving specialty stock, the owner might order less.
| Item | Why it matters |
|---|---|
| Coolers and refrigeration | A failed walk-in or display cooler stops beer and white wine sales on the spot |
| Point-of-sale upgrades | Fast checkout matters when lines form on Friday evening |
| Store reset or expansion | New shelving or a tasting corner takes up-front cash before it produces any |
| Payroll and rent | Fixed whether the week is slow or full |
Texas sales tax filers are told by the Comptroller, by letter, whether they file monthly or quarterly. Because a package store's sales volume moves with the calendar, the sales tax payment tracks that rhythm too. An owner who plans for it avoids borrowing from inventory money to pay it. You can apply for $25,000 to $5,000,000 in about five minutes.
Yes. Inventory is one of the most common uses of working capital for a retail store.
No. The application asks about the business and the owner. Many stores lease their space.
Yes. Sole proprietors and single-location owners can apply, and the form takes about five minutes.
The Comptroller assigns monthly or quarterly filing by letter, and a timely-filer discount of 0.5% is available. Plan for the payment when you order stock.
Funding can arrive in as little as 24 hours for approved applications.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
