The best loan for a retail food store is one that funds quickly, adapts to your inventory cycle, and doesn’t require perfect credit. We specialize in working with independent markets, convenience stores, and food retailers that need fast access to capital. If your business is a U.S.-based corporation, has been operating for at least 3 months, deposits $10,000 or more per month into a business checking account, and the owner is a U.S. citizen with a FICO score of at least 450—you likely qualify.