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Camino Financial
By: camino-financial
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Grocery Store Loans

Grocery store loans can help you keep up with the food retail industry by giving you the capital you need.

Along with housing and transportation costs, food is one of the most significant monthly family expenditures.

Camino Financial’s grocery store loans provide working capital to keep your shoppers happy and help you expand your business.

We offer loans from $5,100 to $35,000, so you can invest in your business.

Apply now!

What Are Grocery Store Loans?

Convenience store business loans are a financial product that offers approved applicants cash to invest in their businesses. Usually, grocery store owners use these small business loans to finance the growth or expansion of their small businesses.

Grocery store financing provides funds for small business owners to make strategic investments to keep customers returning and make a profit.

Store loans can also help independently owned grocery stores compete with larger food chains for their share of market sales.

There are many businesses than can use grocery store loans to stay competitive:

  • supermarkets
  • mom-and-pop grocery stores
  • convenience stores
  • whole grocery outlets
  • corner shops
  • grocery store distribution centers

Camino Financial’s Business Loans For Grocery Stores

No two grocery stores have the exact financial needs. That’s why we offer different grocery store loans.

We also have minimal requirements: you don’t need to have a previous credit score, and you can apply with an ITIN. Plus, we have competitive interest rates and friendly customer support.

Learn more about our financing options:

Startup Loans

Amount$1,500 to $7,500
Type of paymentMonthly
Repayment terms12 to 36 months
Type of rateFixed
Origination fee$90 in California, $0 in Florida (included in the APR)
  • monthly income of $1,500
  • have a bank account that’s been active for at least 6 months

*Our startup loans might not be available everywhere.

Learn more about our startup loans



Amount$5,000 to $30,000
Type of paymentMonthly
Repayment terms24 to 36 months
Type of rateFixed
Origination fee6.99% of the amount
  • monthly revenue of or $2,500 (or $30,000 per year)
  • have an active and registered business for at least 9 months

Learn more about our microloans


Small Business Loans

Amount$10,000 to $400,000
Type of paymentMonthly
Repayment terms24 to 36 months
Type of rateFixed
Origination fee5% of the amount
  • monthly revenue of or $2,500 (or $30,000 per year)
  • have an active and registered business for at least 9 months

Learn more about our small business loans


Get a loan


Use our business loan calculator to find the perfect amount for your needs:


How To Invest The Loan Proceeds

Our business loans for convenience stores are exactly what you were looking for. Here are some of the most popular examples of ways you can use them:

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Use As Working Capital

Having sufficient cash flow ensures that a business meets short-term obligations and unexpected financial challenges.

Grocery store loans give you a lump sum for investments, meeting business goals, or eliminating cash crunches.

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Expand Or Open A Second Location

Grocery store financing can help you transition to the next level.

Whether you add more floor space or build another grocery store to serve customers living further away from your first store.

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Renovate Your Small Business

With the money from a grocery store loan, you could make different investments to enhance the shopper’s experience.

Examples are installing new flooring, adding a deli counter and tables, redesigning the layout, or upgrading fixtures.

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Purchase Inventory

When you stock shelves, customers are happy.

That’s why it’s a great idea to use corner-store loans to buy items in bulk or add more storage space to stock inventory.

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Hire New Employees

As your business grows, you’ll need more staff.

The initial outlay may run in the thousands, but having enough employees can boost morale and achieve more business goals.

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Finance Payroll

When revenue is rising, you may need more cash to pay your employees for a few months as your business expands.

Convenience store business loans can help you with this expense.

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Buy Technology And Equipment

Upgraded cash registers and POS equipment helps manage sales and inventory.

It also allows customers to check out quickly and reduce stress on everybody.

Also, buying new equipment increases productivity, reduces costs, and grows profit.

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Pay For Advertising And Marketing

Grocery store loans provide money for marketing campaigns to reach existing customers and find new ones.

For example, you can print grocery cart ads, create paper and digital coupons, or host in-store tastings for popular products.

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Payments To Suppliers And Vendors

Ensuring you pay suppliers and vendors on time ensures that you receive their goods and services quickly the next time you place an order.

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Apply today!

Steps To Apply

Applying for one of our corner shop loans takes 5 to 10 minutes. Yes, it’s that quick and easy.

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1. Begin The Application Process

Our small business financing application process is simple.

After answering a few questions, we can instantly determine if you prequalify for a loan.

2. Provide Requested Documentation

During the lending approval process, a loan specialist may ask you to follow extra steps.

For example, upload copies of specific documents, for permission to review your cash flow, or to verify your identity.

3. Review And Accept The Terms

Once we approve your loan application, we’ll send a final loan agreement.

Read it, and if you like what you see, just sign it.

4. Receive The Loan Proceeds

Now just sit back and wait for us to deposit the money electronically into your business bank account in just 2 business days.

*The process may be slightly different depending on the lending product.

Why Choose Camino Financial?

With so many lenders to consider, why choose us? Here are just some benefits of our grocery store loans:

  • Paperless online application
  • 100% secure online application
  • Automated payments
  • No previous credit history required
  • No prepayment penalties
  • Make 8 timely payments to qualify for more cash at better terms
  • Our application process doesn’t affect your credit score
  • We offer unsecured loans, which means we don’t ask for collateral
  • SSNs and ITINs accepted
Get a Quote

Learn More About Loans

5 Inventory Financing Options for Convenience Stores

Peer to Peer Business Lending Guide

Where to Find the Best Business Loans for Veterans

Interest Rate Hike 2022: The New Average Business Loan Rates

Investing in a Recession: Taking Advantage of an Economic Downturn




How do I get a loan to buy a convenience store?

If you want to buy a corner shop, you must know how much money you need and have sufficient income to repay the loan amount within a designated loan period before you apply.

Just as important is to choose a lender with business loan requirements you can meet to increase the likelihood of getting your loan application approved.

Just know that a lender will review your credit history, financial statements, tax returns, business plan, and other documents to verify your creditworthiness before offering convenience store financing.

What are the easiest grocery store business loans to acquire?

You have many financing options: online and bank loans, Small Business Administration (SBA) loans, business lines of credit, merchant cash advances…

But Camino Financial loans might be the easiest option for you. We have minimal requirements and a fast process, making them a good choice for convenience store business owners.

*Terms and requirements subject to change without notice.

Check if you
qualify for a loan