Why focus on bars, cafés and hospitality?
Because generic business funding often misreads how these businesses work. A nightclub's weekend-heavy deposits, a café's thin margins on high volume, a wedding venue's deposits collected months ahead, or an inn's quiet winter can look like risk to someone unfamiliar with them. We explain those patterns clearly so funding options are matched to how your business actually earns.
The name says it: an open tab is how good hospitality works. Guests settle up later, and the business carries the cost in between. Owners do the same thing on a bigger scale, buying inventory before the rush, renovating before the season, and paying staff before the receipts come in.
How does OpenTab Capital work with funding partners?
We place financing with funding partners that offer different products: equipment financing, term loans, working capital, lines of credit, revenue-based financing and SBA-backed options. One application lets us look across those options rather than steering you to a single product. You see the terms, compare them, and decide. You are never obligated to accept an offer.
Requirements vary by product and funder; many look at time in business, monthly revenue and credit. We cannot promise approval, amounts or timelines, because the funding partner makes the final decision. We can help you understand the trade-offs before you sign. See how it works step by step.
What do we believe good funding advice looks like?
Good advice starts with what the money is for and ends with a payment that fits your slowest month, not your best one. It explains total cost, not just speed. And it sometimes means telling an owner not to borrow, for example when a small purchase is easier to pay from cash or when sales are falling without a plan to change them.
- Plain language. We explain terms like factor rate, total repayment and draw fees without jargon.
- Right tool for the job. Equipment financing for gear, term loans for renovations, lines of credit for recurring gaps.
- No pressure. Compare offers and walk away if none fit.
How can you get started?
The only way to reach us is the short online application. Tell us about your business, what you want to fund and roughly what it costs. If you have quotes or recent bank statements handy, the review goes faster. From there, we look for options through our funding partners and walk you through what comes back.
Not ready to apply? Browse funding options, find your industry, or read our owner guides first.
Frequently asked questions
Is OpenTab Capital a lender?
OpenTab Capital helps businesses get funded through our funding partners. The funding partner that makes an offer sets its terms and makes the final decision. Our role is to understand your needs, match you with suitable options and help you compare them.
Does it cost anything to apply?
Starting an application does not obligate you to accept any offer. If you receive offers, review every fee and the total repayment amount in the agreement itself before deciding, and ask questions about anything that is unclear. Any fees tied to an offer are shown in the agreement before you sign.
Which states do you work in?
We work with hospitality businesses across the United States, though product availability can vary by state and by funding partner. Tell us where your business operates when you apply and we will look at the options available there. Some products are not offered in every state.
How do I contact OpenTab Capital?
The best way to reach us is the online application, which gives us the details we need to look at your options. Once it is submitted, we follow up about next steps and any documents needed. Have a rough budget and recent bank statements ready to speed things up.
Pull up a chair
Tell us about your business and what you want to fund next.
Updated September 14, 2026 · OpenTab Capital Funding Team