Aged and rare wheel inventory
Fund aged and imported inventory that ties up capital for months while delivering premium margins.
Aging Inventory. Cold Cases. Holiday Boards. Capital That Travels With Your Shop.
A line of credit up to $1.5M for specialty cheese shops. Fund aging inventory, refrigeration, and the holiday rush that defines your year.
Working capital for the cheesemonger economy.
Specialty cheese retail is a high-margin business with serious capital demands. Aged inventory ties up working capital for months. Climate-controlled cases and aging caves require ongoing investment. Holiday gifting, charcuterie boards, and corporate orders concentrate revenue in tight windows that demand a fully stocked shop in advance. Add the cost of importing rare wheels and the regulatory complexity of raw milk and import documentation, and traditional retail capital sources fall short.
Commercial Capital Connect provides specialty cheese retailers a working capital line of credit up to $1.5 million with interest-only options. Fund the wheels. Add a aging cave. Build out a charcuterie counter. Open a second location. Same-day approvals, fast funding, and no daily debits.
Refrigeration and aging cave buildout
Install climate-controlled cases, walk-in coolers, and humidity-controlled aging caves.
Charcuterie counter and prepared food expansion
Add a charcuterie counter, prepared boards, and ready-to-eat items that drive average ticket size.
Holiday gifting and corporate program inventory
Stock up for the November and December rush that drives a meaningful portion of annual revenue.
Second location and market stall expansion
Open a second shop or expand into farmers markets and seasonal stalls.
Basic line of credit review criteria
These are baseline review items, not an approval, offer, or commitment to lend.
- Estimated Equifax score of 575 or higher
- Operating at least 30 days
- About $17,000+ in average monthly revenue
- Active commercial business location
- 0 to 2 active cash advances preferred
Why Commercial Capital Connect
CCC is a business finance marketplace, not a direct lender. One application can help compare potential options through a network of 75+ lending partners.
Aging inventory is an asset, not a problem
We understand that your wheels in the cave are your future margin.
Holiday seasonality is expected
Q4 concentration is the norm in specialty food. We underwrite to trailing twelve-month revenue.
Interest-only payment options
Keep monthly costs lean during quieter months and pay down principal when holiday revenue arrives.
Refinance restrictive financing
Pay off up to two existing cash advances and put your shop on a real working capital line.
Specialty Cheese Shops funding FAQ
Can a single-location specialty cheese shop qualify?
Yes. Single-location shops qualify on the standard criteria: 575 Equifax, 30 days TIB, $200K annual revenue.
Can the line fund imported and rare inventory?
Yes. Imported inventory, customs documentation, and the working capital needed to bring rare wheels to market are valid uses.
What about adding a wine and beer pairing program?
Adjacent retail expansion, including wine and beer where appropriately licensed, is a valid use of working capital from the line.
How does the line handle quiet summer months?
Interest-only payment options keep monthly costs low during slower periods. Trailing average revenue drives approval, not single-month performance.
Can I use the line to fund a farmers market expansion?
Yes. Equipment, refrigeration, and stall fees for farmers market expansion are valid uses.