Brewing is one of the most capital-intensive small businesses: tanks, canning and a taproom before you sell a single pint. Brewery financing spreads those costs so you can grow production and reach.
What brewery owners fund
- Brewhouse & tanks — fermenters, brite tanks and glycol
- Packaging — canning and bottling lines
- Taproom — build-out, bar, furniture and POS
- Ingredients & distribution — grain, hops, kegs and delivery
Equipment is the collateral. That makes brewhouse and canning financing accessible even for newer breweries — with low or no money down on many programs.
Funding options
Equipment financing covers brewhouse and packaging gear with the equipment as collateral; working capital and a line of credit fund ingredients and distribution; SBA loans suit taproom build-out and expansion.
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 finance brewery equipment?
Yes. Tanks, canning lines and other gear are financed with the equipment as collateral, keeping approvals flexible.
How do breweries fund a taproom build-out?
SBA and term loans fund build-out, while lines of credit and working capital cover ingredients and distribution.