Grocery Store Business Financing & Independent Grocery Loans | Vida Growth Partners

Independent Grocery Store Financing Made Simple

Compete with national chains and secure the best supplier pricing. Get the working capital you need to strengthen your community grocery store with actual bank loans.

Popular Loan Products

Up to $1M
Revolving Credit
$5K-$750K
Inventory & Working Capital
24-48 Hours
Fast Approval
575+ Credit
Min. Score
20+ Years Experience
$1M+ Maximum Funding
24-48 Hour Approvals
1000+ Grocery Stores Funded

Independent Grocery Store Financing Solutions

Choose from our comprehensive range of funding options designed specifically for independent grocery store owners and community supermarkets.

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BANKROLL Revolving Credit

Up to $1 Million

Ultimate flexibility with fixed weekly payments and unlimited draws for up to 1 year. Perfect for managing inventory fluctuations and supplier payments.

  • Fixed weekly payments up to 36 months
  • Unlimited draws and paydowns
  • 24-hour access for up to 1 year
  • Early payoff with no penalty
  • Perfect for seasonal inventory management
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Interest-Only Flex Pay

$50K to $750K

Interest-only payments for up to one year with optional line of credit access for grocery store expansion and renovations.

  • Interest-only for up to 12 months
  • Optional line of credit included
  • Unlimited draws for up to 1 year
  • Perfect for store expansion and renovation
  • Preserve cash flow during growth
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Grocery Store Bridge Loans

$5K to $750K

Bridge financing for growth opportunities while waiting on traditional funding sources like SBA loans. Borrow now, grow now, pay later!

  • Defer up to 50% of principal
  • Short-term amortizing loans
  • Support high-return projects
  • Ideal while waiting on SBA approval
  • Tax deductible interest

Grocery Store Line of Credit

$5K to $500K

24-hour access to working capital with 5 separate loan drafts over 6 months for grocery store operations and unexpected expenses.

  • 24-hour access to funds
  • 5 loan drafts over 6 months
  • Only pay for what you use
  • Perfect for supplier volume pricing opportunities
  • Terms up to 36 months

Simple Qualification Requirements

We understand the unique challenges independent grocery stores face competing with national chains. Our loans are actual bank loans with tax-deductible interest - not merchant cash advances with fluctuating payments based on daily receipts.

Check Your Eligibility
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Credit Score 575+

Much lower than traditional bank requirements

30+ Days in Business

Even newer grocery stores can qualify

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$17K+ Monthly Sales

$200K+ annually from all sources

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Grocery Store Owner

Must be majority owner of grocery business

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Limited Paperwork

Quick application with minimal documentation

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Fixed Payments

Not tied to daily credit card receipts

Simple 4-Step Process

Get from application to funding in as little as 3 days

1

Apply Online

Complete our simple application designed for independent grocery store owners. No hard credit pull during pre-qualification.

2

Quick Review

Our grocery store financing specialists review your application. Most approvals within 24-48 hours.

3

Consultation

Work with your dedicated consultant to structure the optimal financing solution for your grocery store's unique needs and supplier relationships.

4

Get Funded

Receive funds in as little as 3 days to start securing better supplier pricing and competing more effectively with chain stores.

Ready to Strengthen Your Grocery Store?

Join thousands of independent grocery store owners who chose fast, flexible financing through Vida Growth Partners

Complete Your Application Below

🔒 Our Guarantee

No hard credit pull • No fees to apply • 24-48 hour response • Tax deductible interest • Grocery store specialist consultation