Fast working capital for convenience stores, mini marts, and gas station stores. Get $15,000 to $150,000 based on your daily sales, not your credit score.
$15K to $150K Funding
Same-Day Approval
No Collateral Required
Funds in 24 Hours
Apply NowNo hard credit pull. Takes less than 5 minutes.
Working Capital Built for Convenience Stores
Running a convenience store means managing razor-thin margins, high inventory turnover, and unpredictable customer traffic. A supplier price increase, an equipment failure, or a slow stretch can put your cash flow under pressure fast. Traditional banks are slow to approve and even slower to understand the day-to-day realities of running a c-store.
Trulo Capital's merchant cash advance is built around your daily card sales. We evaluate your store based on your revenue history, not just your credit score. You can access $15,000 to $150,000 with same-day approval and funding in as little as 24 hours. Repayment adjusts with your sales volume, so you pay less on slow days and more when foot traffic is high.
How Convenience Store Owners Use MCA Funding
There are no restrictions on how you use your funds from Trulo Capital. Convenience store owners typically use working capital for:
Restocking shelves and expanding product selection
Repairing or replacing coolers, freezers, and refrigeration units
Upgrading POS systems and payment technology
Covering rent and payroll during slow periods
Renovating the store layout or adding new service areas
Adding food service, hot food, or prepared meal options
Purchasing bulk inventory at discounted supplier prices
Installing or upgrading security cameras and systems
How It Works
From application to funding in as little as 24 hours. No branch visits, no loan committees.
Step 1
📋
Apply
Fill out a one-page application in minutes. Have 3 months of business bank statements ready.
Step 2
📞
Get an Offer
A funding advisor reaches out within a few hours to walk you through your options.
Step 3
💸
Get Funded
Once you approve an offer, funds are deposited into your account. Often within 24 hours.
Step 4
📈
Repay as You Earn
A fixed percentage of your daily card sales is applied toward your balance. Less on slow days, more on busy ones.
Approval is not based solely on your credit score. We look at the overall health of your convenience store business.
600+ Credit Score
FICO score of 600 or above to qualify
12+ Months in Business
At least one year of store operation
$20K+ Monthly Revenue
Average monthly revenue of $20,000
Healthy Cash Flow
Verified with your last 3 months of business bank statements
Even if you don't meet every requirement, it's worth applying. We review each application individually.
Types of Convenience Stores We Fund
Trulo Capital works with convenience businesses of all sizes and formats. If your store processes credit and debit card payments, you are likely a good fit for a merchant cash advance.
🏪 Independent Mini Marts
Standalone convenience stores and corner shops that need working capital to restock inventory and cover day-to-day operational costs.
⛽ Gas Station Stores
Gas station convenience stores with high foot traffic that need capital for inventory, equipment upgrades, and facility improvements.
🏬 Franchise C-Stores
Franchise convenience store locations that need flexible working capital to meet brand standards and manage operational expenses.
🥪 Food and Deli Stores
Convenience stores with prepared food, deli counters, or hot food service that need capital for equipment and ingredient costs.
🌙 24-Hour Stores
Round-the-clock convenience stores with high staffing needs and continuous inventory demands that require steady working capital.
🏙️ Urban Kiosks and Service Stations
Urban kiosks, transit-adjacent stores, and service stations in high-traffic areas that need fast capital to keep up with demand.
Convenience Store MCA vs. Bank Loan
Traditional bank loans are not built for the convenience store business. Here is how a Trulo Capital merchant cash advance compares.
Trulo Capital MCA
Bank Loan
Approval time
✓ Same day
– 2 to 8 weeks
Funding speed
✓ As fast as 24 hours
– Weeks after approval
Credit score required
✓ 600+ accepted
– Usually 680 or higher
Collateral
✓ Not required
– Often required
Repayment
✓ % of sales
– Fixed monthly payment
Application
✓ One page, online
– Extensive paperwork
Revenue-based approval
✓ Yes
– No
Approval time
Trulo MCA
Same day
Bank Loan
2 to 8 weeks
Funding speed
Trulo MCA
As fast as 24 hours
Bank Loan
Weeks after approval
Credit score required
Trulo MCA
600+ accepted
Bank Loan
Usually 680 or higher
Collateral
Trulo MCA
Not required
Bank Loan
Often required
Repayment
Trulo MCA
% of sales
Bank Loan
Fixed monthly payment
Application
Trulo MCA
One page, online
Bank Loan
Extensive paperwork
Revenue-based approval
Trulo MCA
Yes
Bank Loan
No
Convenience Store Funding Questions and Answers
Can I get a merchant cash advance for my convenience store if I have bad credit?
Yes. Trulo Capital approves convenience store funding based primarily on your daily card sales and bank statement history, not just your FICO score. Many store owners with credit scores in the 600s qualify for funding. If your store has been open for at least 12 months and processes consistent card sales, you have a strong chance of approval.
How much can my convenience store borrow?
Trulo Capital funds convenience stores from $15,000 to $150,000. The exact amount depends on your average monthly card volume and bank statement health. A funding advisor will walk you through how much you are eligible for and what repayment would look like for your specific store.
Can I use the funds to restock inventory or repair equipment?
Absolutely. Inventory restocking and equipment repairs are among the most common uses for convenience store MCA funding. Cooler repairs, freezer replacements, POS upgrades, and bulk inventory purchases can all be covered with your Trulo Capital funds. There are no restrictions on how you use the money.
How does repayment work for a convenience store cash advance?
Repayment is collected as a fixed percentage of your daily or weekly credit and debit card sales. On slow days, you pay less. On busy days with high foot traffic, you pay more. You never have a fixed monthly payment that ignores how your store is actually performing.
How fast will I receive the funds?
Most convenience store owners receive their funds within 24 to 48 hours of approval. In some cases, same-day funding is possible. There are no loan officers, branch visits, or committee reviews slowing things down.
Do gas station stores also qualify for MCA funding?
Yes. Gas station convenience stores are eligible for Trulo Capital funding. Whether your store is attached to a gas station or operates independently, the key factor is your monthly card sales volume and bank statement history. Apply and a funding advisor will review your specific situation.
What documents do I need to apply?
The application is simple. You will need your last 3 months of business bank statements and basic information about your store. For faster processing, you can also securely connect your bank account directly. A funding advisor will reach out within a few hours to complete your application.
What Our Clients Are Saying
Discover how real business owners are growing with fast, clear, and reliable funding experiences.
The process was fast and easy to understand. I run a retail clothing store, and the funding helped me prepare for a seasonal rush without stressing over cash flow. Everything was clear from the start.
Rachel M.
Retail Store Owner
I’ve worked with other financing companies before, but this experience stood out. As a small restaurant owner, I needed quick help during a slow month. The communication was strong and the approval came faster than I expected.
Marcus J.
Restaurant Owner
Running a hair salon means staying stocked and ready for clients. I applied in the morning and received funding the same day. The team made it feel simple and reliable from start to finish.
Elena S.
Salon Owner
As someone who owns a small auto repair shop, I don’t have time for complicated applications. This was refreshingly easy. I was able to fix equipment and manage payroll without delay.
Jared T.
Auto Repair Business Owner
I needed to restock supplies and launch a small marketing campaign for my mobile cleaning service. The support I received was direct, honest, and truly helpful. This made a real impact on how I operate.
Danielle R.
Cleaning Service Owner
The process was fast and easy to understand. I run a retail clothing store, and the funding helped me prepare for a seasonal rush without stressing over cash flow. Everything was clear from the start.
Rachel M.
Retail Store Owner
I’ve worked with other financing companies before, but this experience stood out. As a small restaurant owner, I needed quick help during a slow month. The communication was strong and the approval came faster than I expected.
Marcus J.
Restaurant Owner
Running a hair salon means staying stocked and ready for clients. I applied in the morning and received funding the same day. The team made it feel simple and reliable from start to finish.
Elena S.
Salon Owner
As someone who owns a small auto repair shop, I don’t have time for complicated applications. This was refreshingly easy. I was able to fix equipment and manage payroll without delay.
Jared T.
Auto Repair Business Owner
I needed to restock supplies and launch a small marketing campaign for my mobile cleaning service. The support I received was direct, honest, and truly helpful. This made a real impact on how I operate.
Danielle R.
Cleaning Service Owner
Ready to fund your convenience store?
Apply in minutes. Talk to a funding advisor today. Funds deposited as fast as 24 hours.
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