Finance for Convenience Stores

Get the funding you need to grow your convenience store business and achieve your goals with Rangewell.

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Funding options


Asset Finance

  • Payments geared to your turnover
  • Adverse Credit – no problem
  • No Income Proof Required
  • Repayment and interest-only available

Finance For Property

  • Terms up to 20 years
  • £50,000 – No Maximum
  • Rates from 2% over base rate
  • Up to 80% Loan to Value available

Stock and inventory finance

  • Purchase stock on credit
  • Customise repayments to suit you
  • Expand inventory to meet customer appetite
  • Grow with our support

Talk to Rangewell - the business finance experts

Get the finance you need to grow your convenience store with terms built to suit you

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

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From opening a new store to refitting your current premises, whatever your plans, you’ll need the funds to back you up. With Rangewell, you’ll not only gain access to the leading lenders but also those who specialise in working with ventures like yours.

As a team of expert advisors, we work with you every step of the way to ensure you get the best possible finance to help you achieve your goals.

Table of Contents

Convenience stores form the pillars of our local communities. Customers depend on you, which can lead to long-term revenue streams that result in a profitable and helpful business. For most customers, these shops are the go-to place for their daily necessities, including groceries, courier services and paying utilities. You need to ensure your store can meet those needs. 

There are many moving parts to a convenience store operation, also known as a CTN (confectionery tobacco newsagent). From stock management through to providing additional services and keeping the premises in good shape, there will likely be a significant ongoing investment required to compete with the bigger supermarket chains. 

Often, accessing the money you need to make these necessary investments can be difficult. Rising business costs and poor cash flow may mean that you are struggling to find the money you need to take your convenience store to the next level. This is where Rangewell comes in. 

We’re a team of expert finance professionals, independent from any lender. We’ll listen to your plans and problems, and scour the whole of market to find the right lender and funding options to suit your current and future needs. Already got a loan with another lender? We can still help you. From debt consolidation to refinancing for better terms, we’re here to help. 

Speak to Rangewell today, or keep reading to learn more about funding for convenience stores.

Get business loans to suit you

Built around your needs

Funding options for convenience stores

To find out more about the specific funding options available to your business, it’s best to get in touch with the Rangewell team directly. However, here are some of the most common types of finance accessed by convenience store owners with the help of our independent advisors. 

Commercial property finance

Perhaps you already own a property and are keen to buy a second, or you want to invest in the bricks-and-mortar that you currently lease for your store. Whatever your plans, we can help you to find and secure commercial property finance, including mortgages and development loans.

We’ve got experience working with both family-run corner shops and national convenience store networks to secure the funding they need to invest in their property. Don’t worry if you already have a commercial mortgage or property development loan, we may still be able to help with debt consolidation. 

Bridging finance

Bridging loans for convenience stores allow businesses to access funds quickly. Bridging finance is a short-term solution for those looking to ‘bridge the gap’ in your property funding. So, if you need to raise money for a deposit or need cash while waiting for the completion of the mortgage, then this might be the right solution for you. 

Speak to Rangewell today to determine if a bridging loan is right for you. 

Stock and inventory finance

While a convenience store can be a profitable business, there are often significant upfront costs to opening a new shop. When it comes to starting a new store, you want to make a good impression on the local community and ensure your shop is the go-to place for shoppers’ convenience purchases. So, this means making sure your shelves are well-stocked from day one.

There are several different kinds of stock finance, including one-off loans to cover big purchases and rolling credit facilities that spread out the cost of purchases over a longer period of time. Whatever you need, we can help you access a wide range of funding options to get those doors open and the money rolling in.

Tax and VAT loans

Working capital, such as VAT loans, are common among convenience store business owners as they allow you to cover costs. Cash flow can be a common issue for shops as many factors affect footfall and sales throughout the year. So if you have a VAT or other tax bill to pay, then we might be able to help you with a quick, short-term loan that relieves the pressure. 

Refinancing and debt consolidation

You read this and think… “What about my current loans?” Well, we can help with those, too. Whether you are struggling with your current repayment plan or want to access more funds, refinancing might be the best option. 

We’ve worked with countless businesses with everything from refinancing a property portfolio to consolidating existing business loans. So, our team is well-equipped with the experience and knowledge to make sure your next step is the right one for your convenience store business. 

Convenience store finance with Rangewell

Whatever your current situation and future plans, don’t go for it alone. With Rangewell, you’ll have a dedicated team of finance advisors who are on hand to help you with every step of the loan process, from finding the right lender and product through to submitting your application and even refinancing existing commitments. 

Looking for finance for your convenience store? Regardless of whether you run one shop or ten, we can help. Contact us today to learn more and start your business loan application with our dedicated team. 

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Whatever your shop needs, we can help

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Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • Lending tailored to your business
    At Rangewell, we can help you in finding the most appropriate finance for your shop venture.
  • Equipment funding scaled to your plans
    Funding solutions are available, whether you need individual items or a full suite of retail equipment
  • Supporting you with your new business
    We can help you find and apply for the funding your business needs until your customer base is established and your cashflow secured.
  • Reducing risk with Asset Funding
    If your shop was unable to make the payments on an Asset Funding deal, the lender could simply repossess the equipment to cover their loss. No other assets are at risk.
  • Helping you grow your business
    We work with you to answer your changing finance needs - from start-up to acquiring additional shops.
  • Lenders who specialise in catering
    Some funding providers actually specialise in the catering sector. At Rangewell, we understand your business so we can help you find the most appropriate lenders and the most cost-effective solutions for your individual needs.

Our service is:


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.