Riverwick Business Loans, a small-business funding service in Taunton, Massachusetts, covers grocery store loans for Bristol County grocery, convenience and liquor stores: refrigeration and shelving, stock, remodels and store purchases, with county store counts.
At a glance
- Grocery and liquor store employers, Bristol County, MA
376 (CBP 2023, our sum)
- Beer, wine and liquor stores
125 employers (CBP 2023)
- Convenience stores
163 employers (CBP 2023)
A Business Loan for a Grocery Store: What Taunton, MA Owners Should Know
Bristol County, MA had 251 grocery stores with paid employees in 2023 (County Business Patterns 2023, NAICS 4451). That count includes 163 convenience stores; supermarkets and other grocery stores made up the other 88, with 6,758 paid employees (our arithmetic). Beer, wine and liquor stores added 125 more, for 376 grocery and liquor store employers in all (our sum).
Grocery stores turn stock fast and run refrigeration around the clock, so their funding splits between money for goods and money for equipment.
Bristol County, MA Food and Beverage Store Employers
| Group (NAICS) | Employers | Paid employees | Annual payroll | Payroll per employee (our arithmetic) | Under five employees |
|---|---|---|---|---|---|
| Grocery stores, incl. convenience (4451) | 251 | 7,190 | $198.5 million | $27,614 | 69.7% |
| Convenience stores (445120) | 163 | 432 | $10.5 million | $24,394 | 87.1% |
| Beer, wine and liquor stores (445310) | 125 | 652 | $18 million | $27,673 | 63.2% |
| Gasoline stations (4471) | 212 | 1,469 | $46.6 million | $31,713 | 47.2% |
Convenience Store Loans in Taunton, MA
87.1% of Bristol County, MA's 163 convenience store employers had fewer than five employees in 2023 (CBP 2023, our arithmetic). A small store's requests are for coolers, a lottery and point-of-sale setup, security cameras and stock. Some convenience stores share a site with fuel pumps: Bristol County, MA also had 212 gasoline stations with paid employees (CBP 2023, NAICS 4471), and fuel equipment is a separate, specialized request.
A Business Loan for a Liquor Store Around Taunton, MA
Bristol County, MA had 125 beer, wine and liquor stores with paid employees in 2023, employing 652 people on $18 million of payroll (CBP 2023, NAICS 445310). Liquor store stock is valuable and durable, which suits inventory financing; walk-in coolers and shelving suit equipment financing.
What to Know About a Small Business Loan for a Liquor Store in Bristol County, MA
A partner reading a liquor store's request looks at card and cash deposits, distributor invoices and terms, stock on hand by category and the license. The license itself is a regulated asset; what can be pledged against it, and what a transfer requires, are legal questions.
How to Get a Business Loan for a Liquor Store? The Short Answer for Taunton, MA
Bring twelve months of bank and card statements, recent distributor invoices, a stock report and the quote or purchase order behind the request, then call (774) 220-5972 or send the request form. For a store purchase, add the seller's returns and the purchase agreement.
Liquor Store Financing for Owners Around Taunton, MA
Illustration only, invented figures: a liquor store replaces its walk-in cooler and beer cave shelving for $45,000 and finances it over 60 months at 10% a year. In this invented example, the payment would be about $956 a month. Energy savings from newer refrigeration can offset part of that; ask the installer for its estimate in writing.
Buying an Existing Grocery or Liquor Store in Bristol County, MA
A store purchase includes stock counted at closing, fixtures, the lease and any licenses that can transfer. Partners read the seller's returns and sales reports, the lease term and the license transfer status. A term loan covers the purchase; stock can be valued and financed separately.
Refrigeration, Shelving and Point-of-Sale for Food Stores
Reach-in and walk-in coolers, freezers, deli cases, shelving, scales, scanners and point-of-sale systems are each financeable. Refrigeration installed into the building may count as an improvement; ask the partner which items it treats as equipment before you finalize the quote.
Buying Stock at Volume for a Bristol County, MA Store
Distributors and wholesalers can offer better prices on larger orders or on early payment, and a store with cash on hand can take them. A credit line drawn for the order and paid down as the goods sell turns that discount into margin, provided the stock sells before the line's interest eats the saving. Work the arithmetic on the actual order before you draw.
Illustration only, invented figures: a 3% discount on a $20,000 order saves $600. In this invented example, carrying a $20,000 draw for two months at 12% a year costs about $400 in interest, so the trade only pays if the stock sells within that time.
Payroll and Cash Flow in a Food Store
Grocery and convenience stores pay staff weekly and distributors on short terms, while sales arrive daily. A working capital loan can cover a remodel period when sales dip, or a new department's first months. Partners read daily deposits to see the store's rhythm.
Grocery Readers Also Open These Bristol County, MA Pages
The retail page covers other stores, the inventory article works through grocery and liquor stock examples, the industries hub covers gas stations, and the Taunton, MA page has the county table.
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