Bars and nightclubs are build-out- and inventory-heavy with seasonal, event-driven revenue. Bar and nightclub funding covers the space, equipment and inventory so you can open, remodel or ride out slower stretches.
What bar or nightclub owners fund
- Build-out — bar, seating, sound, lighting and decor
- Equipment — coolers, taps, POS and kitchen
- Inventory — liquor, beer and supplies
- Licensing & expansion — permits and a second location
Nightlife revenue is event-driven. Revenue-based advances and a line of credit flex with your busy nights and slower seasons.
Funding options
Equipment financing and bar equipment financing cover coolers and taps; working capital, a line of credit and revenue-based advances stock inventory and smooth seasons; see also liquor store loans.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | 6+ months (startup options for equipment) |
| Monthly revenue | $10,000+ for revenue-based options |
| Credit score | No minimum on many programs |
| Documents | Application + 3 months bank statements |
Frequently asked questions
Can I get a loan to open or remodel a bar?
Yes. SBA and term loans fund build-out, equipment financing covers coolers and taps, and lines of credit stock inventory.
How do bars handle slow seasons?
Revenue-based advances and lines of credit flex with sales, covering costs through slower stretches.