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Convenience Store Loans and Corner Shop Funding

At 365 Business Finance, we offer fast and flexible business funding between £10,000 to £300,000.

Our merchant cash advance acts like a convenience store business loan, helping convenience store and corner shop business owners across the UK secure immediate capital.

Unlike a traditional bank loan, a merchant cash advance doesn’t impact your business’ cash flow. As there are no fixed monthly payments or interest rates, repayments are made through a small percentage of your convenience store’s future debit and credit card sales. This means repayments mirror your cash flow, easing financial stress.

Some examples of how our alternative to convenience store loans is used by corner shop and convenience store owners:

  • Growth and renovations of the stores
  • Inventory financing
  • Hiring and training employees
  • Boosting cash flow levels
  • Advertising and marketing
  • Renting or expanding storage space
  • Improving products and service

Am I Eligible for Convenience Store and Corner Shop Financing?

There are two easy questions you can answer to know whether you qualify for our alternative to convenience store loans:

  • Has your business been trading for a minimum of 6 to 12 months?
  • Does your business’ monthly credit and/or debit card sales exceed £10,000? 

About Our Convenience Store Loan Option

Our merchant cash advance is a flexible finance option to business loans for convenience stores that allows you to access up to £300,000 in working capital to help operate and expand your business.

You simply repay the advance through a fixed percentage of your debit and credit card sales. There’s no need to worry about admin charges, late fees, and interest payments, making it easy for you to access capital without the common pitfalls associated with traditional convenience store loans.

Once you receive funding approval, you can use your funds to:

  • Purchase new stock, beverages, and groceries in bulk to reduce your costs and increase your profit margin.
  • Boost sales through marketing and advertising in your local area and drive foot traffic to your store.
  • Expand your business by hiring more staff or opening a new location.
  • Refurbish and improve your existing store with better storage, shelving, and equipment.
  • Upgrade store displays and shop signage to create a clean and modern look for your shop.
  • Cover everyday expenses such as rent, utilities, and taxes or buy your convenience store’s lease.

Am I eligible for Restaurant financing?

To be eligible for a merchant cash advance we ask 2 simple questions:

Has your business been trading for a minimum of 6 months?


Does your businesses monthly credit and/ or debit card sales exceed £10,000?


You are eligible!

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How much capital does your business need?

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£ 50,000 - £100,000Most popular

*Your application has no affect on your credit score 

How Our Merchant Cash Advance Works as an Alternative to Convenience Store Loans

Our merchant cash advance is designed as a flexible funding alternative to convenience store loans, allowing small business owners to access up to £300,000 in unsecured funding.

When you apply, a dedicated funding advisor will be assigned to you, to help you through the funding application. You’ll receive a funding decision within 24 hours and, if your application is successful, funds will be deposited into your business’ bank account within a few days. In return, you’ll pay back the advance through a small percentage of your future debit and credit card sales until the amount is fully repaid.

You don’t need to worry about fixed terms or interest charges. Instead, repayments are taken from a small percentage of your future debit and credit card sales. This means repayments mirror the ups and downs of your business — when you have a quiet period, you simply repay less, and when business picks up, you repay more.

There’s no APR as there is no fixed fee, just one all-inclusive cost that’s agreed on at the start, which never changes.

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Merchant Cash Advance:

The flexible alternative to bank loans

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