Purpose-Driven Capital for Liquor Retailers
Patel Funding was created to close a critical financing gap in the liquor store industry. Backed by Patel Processing, we bring speed, simplicity, and industry insight to retail capital.
Patel Funding is a strategic extension of Patel Processing, a nationally trusted name in payment solutions for small businesses. Recognizing that liquor store owners are often underserved by traditional lenders, we’ve built a financing solution around real-world retail performance—not just credit scores.
With deep experience in both payment infrastructure and the retail liquor industry, we offer revenue-based capital, same-day approvals, and a relationship-first approach. Our mission is simple: help independent liquor stores grow with confidence.
Trust-Built Approach
Your growth is our long-term goal.
Fueling Growth Without Friction
Our mission is to empower liquor store owners with financing that supports their growth—not slows it down.
Accessibility
Qualification based on real revenue, not just credit score
Speed
Capital deployed in 24–48 hours
Simplicity
No collateral, no hidden fees
Alignment
Weekly fixed payments that suit retail operations
Value We Deliver
- Liquor stores typically turn their inventory 3–4 times per year.
- With quick access to capital, store owners can restock more frequently and take advantage of bulk purchasing.
- This leads to faster inventory turnover, reduced shelf stagnation, and higher revenue velocity.
- The average gross profit margin in retail alcohol ranges from 15% to 20%.
- Patel Funding enables liquor stores to negotiate better pricing with suppliers by buying in volume.
- Higher purchasing power leads to better margins and increased profitability per unit sold.
- Liquor store owners often experience seasonal fluctuations in demand (e.g., holidays, summer).
- Working capital from Patel Funding helps smooth out cash flow during slower months and prevents stockouts during peak periods.
- This reduces missed sales opportunities and improves customer satisfaction.
A $100B Industry, Underserved by Traditional Lending
Revenue-based underwriting
Technology-driven funding
Deep liquor retail expertise
High repeat value from trusted relationships
Revenue-Driven Growth
We fund based on performance