Brewery Funding for Taprooms, Breweries & Distilleries

Working capital from $10,000 to $5 million for tanks, canning lines, ingredients, distribution, and taproom buildout — approved on your bank deposits, not your credit score.

Why brewery cash flow is its own animal

Running a brewery, taproom, or distillery means paying for everything up front and getting paid on a delay. You buy grain, hops, yeast, and packaging weeks — sometimes months — before a single pint or can generates revenue. Then distribution and self-distro accounts stretch you out another 30 to 60 days. Meanwhile the tanks, the glycol chiller, the canning line, the walk-in cooler, and the rent don't wait.

Traditional banks look at a seasonal, equipment-heavy, inventory-heavy business and get nervous. They ask for tax returns, collateral, and a credit score you don't want to talk about. That's the wrong tool for a brewery that needs to lock in a hop contract this week or replace a failed compressor before the weekend crowd shows up.

We approve on your bank deposits — the actual revenue flowing through your taproom, your wholesale accounts, and your online sales. Not your FICO. FICO 500+ is fine. A soft pull to check won't touch your score, and there's no collateral required for working capital.

What breweries and distilleries use the money for

• Tanks and fermentation — new fermenters, brite tanks, or a second turn of capacity when demand outruns your setup.
• Canning and packaging lines — bringing canning in-house, mobile-canning deposits, labels, cans, and packaging film.
• Ingredients and raw materials — bulk grain, hop contracts, yeast, adjuncts, and barrels for the distillery side.
• Taproom buildout — bar, kitchen, patio, restrooms, seating, and the buildout permits that come with them.
• Distribution and self-distro — a delivery vehicle, cold storage, keg inventory, and floating the gap while accounts pay you.
• Seasonal ramp — stocking up before festival season, summer patios, or the holiday rush.

A real dollar example

Say your canning line goes down heading into your busiest month, and a replacement plus install runs $40,000. You pull three months of bank statements showing $85,000 a month in deposits from taproom sales and wholesale accounts. Because we're underwriting on those deposits, that revenue supports the request cleanly.

You send statements in the morning, sign the agreement by early afternoon ET, and the $40,000 lands the same business day. You keep canning, keep shipping, and don't lose the shelf space you fought for. You pay it back out of the daily and weekly revenue those cans generate — matched to how a brewery actually earns.

How fast you can actually get funded

Here's the honest rule: if you get us your bank statements and a signed agreement before early afternoon ET on a weekday, same-day funding is on the table. Later in the day, or on a Friday, expect it to land the next business day — a Friday afternoon signing typically funds Monday. No inflated promises; that's the real timeline.

Straight answers

Do I need good credit to get brewery funding?

No. We approve based on your bank deposits, not your credit score. FICO 500+ is fine, and we only run a soft pull to check your options, which won't affect your score.

What's the smallest amount I can get?

The minimum is $10,000. We fund from $10K up to $5M, so it works whether you're buying ingredients or building out a full taproom.

Can I use this for a canning line or tanks?

Yes. Tanks, canning and packaging equipment, chillers, coolers, and taproom buildout are all common uses. Working capital for equipment like this needs no collateral.

How long does approval take?

Once we have your bank statements, decisions are quick. Sign before early afternoon ET on a weekday and you can be funded the same day; Friday signings generally fund Monday.

Does my brewery being seasonal hurt my chances?

No. Seasonal swings are normal in this industry, and reviewing your deposits over recent months lets us see your real revenue pattern instead of penalizing you for a slow winter.

What do I need to apply?

Just your recent business bank statements. Apply in a few minutes, and if it's a fit we'll walk you through the signed agreement and get the funds moving.