Keep your taps flowing and your tanks full with fast, flexible financing fund brewing equipment, inventory, payroll, and build-outs without slowing down service.
$50M+ funded
24-hour funding
$10K – $5M Loan Amounts
4.8 / 5.0 Trustpilot Verified
Running a bar or brewery is one of the most capital-intensive, license-heavy businesses in the U.S. hospitality economy. Unlike most service businesses, bars and breweries carry heavy upfront and recurring costs that never pause: brewing equipment, draft systems, liquor and ingredient inventory, licensing, rent, utilities, and staffing all hit the books before and between the busy nights that actually drive revenue.
That timing gap creates a problem every bar and brewery owner knows too well:
Bar and brewery business loans solve the cash flow gap that sits between heavy operating costs and uneven, seasonal revenue. At Committed to Capital, we specialize in financing solutions designed around how hospitality businesses actually operate: fast approvals, flexible use of funds, and underwriting that values revenue strength over credit perfection.
A bar or brewery business loan is any form of small business financing used by a company that produces, serves, or sells alcoholic beverages. It’s not a single product, it’s a category of funding options that includes Term Loans, Lines of Credit, Equipment Financing, SBA Loans, Invoice/Merchant financing, and Revenue-based advances.
The right bar or brewery loan depends on three things:
Because bars and breweries involve large capital outlays for equipment and licensing plus unpredictable, seasonal sales most owners don’t rely on a single financing product. They use a stack of solutions that match different needs at different points in the business cycle. We’ll help you figure out the right mix.
Bar and brewery business loans provide capital to cover the unique costs of a hospitality and beverage-production operation equipment, inventory, labor, licensing, build-outs, and the gap between slow and peak seasons. Here’s how they typically work:
A lender reviews your revenue, time in business, credit profile, and daily sales (including card processing volume) to determine loan size and terms. Once approved, funds are disbursed as a lump sum (term loan), a revolving credit line you draw from as needed, or equipment financing tied directly to the brewing system or draft equipment you’re purchasing. You repay through fixed monthly installments, daily/weekly draws, or a percentage of card sales, with interest calculated only on the amount used.
Bar and brewery owners often use these loans to buy inventory at distributor discounts, finance fermentation tanks and draft systems, bridge cash flow during slow seasons, or fund renovations, taprooms, and new locations. The right loan structure depends on whether your need is one-time, ongoing, or asset-specific.
The right financing option depends on what your Bar or Brewery Business needs the money for and how quickly you need access to capital. Here’s a side-by-side comparison of every funding product we offer Bars, Breweries & Hospitality Businesses.
The right financing depends on where you are in the bar or brewery lifecycle.
Before the first pour, capital is already going out the door. Lease deposits, brewing systems, draft equipment, bar build-outs, furniture, signage, licensing, and initial inventory all need funding well ahead of revenue. A term loan or equipment financing puts that capital in place so you can open strong, design the space right, or launch a taproom without draining your reserves.
Day-to-day service doesn’t pause between busy weekends. Payroll, beer and liquor reorders, ingredient and packaging restocks, utilities, and distributor invoices all run on a continuous cycle often while you’re still waiting on a slow week to recover. A business line of credit gives you revolving access to working capital, so you can keep the taps flowing, cover rush orders, and only pay interest on what you actually draw.
Demand is outpacing your current footprint but expansion takes cash before it pays off. Whether it’s a second location, a patio, a canning line, distribution expansion, or a new taproom, growth financing lets you scale on your timeline instead of letting cash flow dictate how fast you can move.
Anything that keeps your bar or brewery running or growing. The most common uses we fund:
A short-term loan delivers a lump sum quickly usually within 24–48 hours and is repaid over 3 to 24 months through daily or weekly automated payments. It’s the most common solution when a bar or brewery needs to move fast on inventory, replace failed equipment, or cover an unexpected expense.
Best for: Inventory pushes, emergency equipment repairs, bridging short payment gaps, seasonal demand swings.
Long-term loans provide larger amounts (up to $2M) with extended repayment over 2 to 10 years. The longer term means lower monthly payments, making this ideal for significant capital projects that pay off over time.
Best for: New locations, taprooms, full brewery build-outs, major renovations, real estate purchases, refinancing high-cost debt.
A line of credit gives you a pre-approved credit limit you can draw against as needed, and you only pay interest on what you use. Once you repay, the credit becomes available again. It’s the most flexible financing product available and works as a safety net for the unpredictable cash flow swings every bar and brewery faces.
Best for: Beer, liquor, and ingredient purchases, payroll smoothing, covering distributor invoices, recurring operating costs.
Equipment financing lets you purchase or lease the brewing systems, fermentation tanks, glycol chillers, draft lines, kegerators, and POS systems your operation depends on without tying up working capital. The equipment itself acts as collateral, which means easier approvals and competitive rates even for businesses with average credit.
Best for: Buying or upgrading brewing equipment, expanding production capacity, opening a new location, modernizing draft and POS systems.
SBA loans (especially the SBA 7(a) and SBA 504) offer some of the lowest rates and longest terms available backed partially by the U.S. Small Business Administration. The trade-off: they take longer to approve (30–90 days) and require strong documentation and credit.
Best for: Established bars and breweries buying real estate, refinancing high-cost debt, or making major capital investments. The SBA 504 program is specifically designed for fixed assets like commercial property and heavy brewing equipment
If you sell wholesale or distribute kegs and packaged products to retailers, restaurants, or distributors on net-30/60/90 terms, you don’t have to wait to get paid. Invoice financing advances you up to 90% of the invoice value within 24 hours, and the factoring company collects payment from your customer.
Best for: Breweries and beverage businesses with large wholesale or distribution accounts that pay slowly. Especially powerful when one or two big accounts represent a large share of revenue.
A merchant cash advance provides fast capital in exchange for a fixed percentage of future card sales. There’s no fixed term you repay as you earn. Approval is fast and credit requirements are lenient, making this a realistic option for bars and breweries with poor credit or short time in business.
Best for: Speed-critical situations, businesses that can’t qualify for traditional loans, owners with strong daily sales but weak credit.
Cover upfront costs for beer, liquor, ingredients, hops, grain, and packaging while keeping the bar fully stocked.
Buy, replace, or upgrade brewing systems, tanks, draft lines, and chillers without draining working capital.
Support payroll, hiring, and training when demand surges or a new location opens.
Fund bar build-outs, taproom buildouts, patio additions, and full venue renovations.
Get the capital needed to fund packaging, kegs, and inventory for wholesale and distribution growth.
Open a second bar, a taproom, a brewpub, or expand your production footprint.
Bridge slow seasons and cover fixed costs while waiting for peak demand to return.
Invest in advertising, events, online ordering, POS systems, and loyalty programs that drive sales.
We work with bars, breweries, and beverage businesses across every segment of the industry:
Don’t see your concept? We’ve likely funded it. Talk to a specialist.
Banks may offer lower rates on paper, but their approval process is built for businesses that don’t actually need the money and many shy away from alcohol-related industries entirely. Here’s how we compare:
Qualification varies by product, but here’s what most of our bar and brewery clients need to qualify:
What Bar & Brewery Owners Are Saying About Us
A guided process that respects your time. No faxing, no surprise documentation requests.
Share basic information about your bar or brewery. No long forms or heavy paperwork.
We quickly review your information and deliver clear funding options, often within hours.
Once approved, funds are deposited into your account the same day.
As your business grows, additional funding and refinancing options are available when you need them.
A bar or brewery business loan is financing used by hospitality and beverage-production businesses to cover costs like brewing equipment, inventory, payroll, licensing, renovations, and expansion. It’s a category that includes term loans, lines of credit, equipment financing, SBA loans, invoice factoring, and merchant cash advances — each suited to different needs and timelines.
Many of our clients are funded in as little as 24 hours. Short-term loans, lines of credit, and merchant cash advances can fund same-day or within 48 hours, while SBA loans take longer (30–90 days) due to documentation requirements.
We offer financing from $10K to $5M, depending on your revenue, time in business, and the product you choose. Equipment financing and SBA loans support the largest amounts, while short-term loans and lines of credit are ideal for smaller, faster needs.
Yes. While many traditional banks restrict lending to bars, breweries, and alcohol-related businesses, we work with this industry every day. We use revenue-based underwriting that focuses on your sales strength rather than the category of your business.
Yes. Many of our products accept FICO scores as low as 500. We weigh your daily sales, card processing volume, and overall revenue strength more heavily than credit alone. Merchant cash advances and revenue-based financing are designed specifically for owners with weak credit or short time in business.
Absolutely. Long-term loans and SBA loans are built for new locations and build-outs, while equipment financing lets you purchase brewing systems, tanks, draft lines, and POS systems with the equipment itself acting as collateral meaning easier approvals and competitive rates.
Whether you need to fund a build-out, buy a fermentation tank or draft system, smooth out cash flow during the slow season, or open a second location — Committed to Capital has bar and brewery financing solutions built for how your business actually operates.
