Working Capital for Dollar & Discount Stores
Dollar and discount stores run on high inventory turnover and thin per-item margins, so buying power and restocking speed directly determine profitability.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so dollar & discount stores never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. Thin margins on individual items mean a discount store needs to move high volumes of product just to cover rent, payroll and utilities each month.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. Buying in bulk from closeout and liquidation suppliers often requires paying upfront in cash to lock in the deepest discounts before a competitor does.
One approval, draw what you need, and return for additional funding as your dollar & discount stores business performs. Popular items can sell out fast at low price points, and a store that cannot restock quickly loses that foot traffic to another discount retailer nearby.
Buy closeout and liquidation inventory in bulk to secure the deepest supplier discounts.
Open an additional location to reach more price-conscious shoppers.
Upgrade point-of-sale and inventory systems to manage high-volume, low-margin sales.
Yes, many discount store owners use working capital to move quickly on liquidation and closeout deals that require cash upfront.
No, approval is based on your overall monthly revenue rather than per-item margin, so high-volume, low-margin stores qualify like any other retailer.
Yes, working capital can be used for any business purpose, including opening and stocking a new location.
Paz funds dollar & discount stores from $2,500 to $5,000,000. Most dollar & discount stores qualify for $15,000 - $150,000, based on monthly revenue and time in business rather than collateral.
A US business that has operated for at least six months with $10,000 or more in monthly revenue, your last three months of bank statements and your EIN. The application takes about five minutes, and there is no hard credit pull to get pre-qualified.
Dollar & Discount Stores funding, approved in as little as 24 hours