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Bar or hospitality business equipment financing

Equipment is usually the largest single purchase bars and hospitality businesses make, and financing it against the asset generally prices below unsecured working capital.

What gets financed

Draft system and walk-in refrigeration
Liquor licence and inventory
Patio and outdoor build-out
Sound, lighting and AV
Seasonal staffing ahead of a busy stretch
Event and holiday inventory pre-buys

Equipment finance or working capital?

Buying the asset itselfEquipment financing. Secured by the equipment, so it usually prices below unsecured funding and leaves your working capital free.
Uneven or recurring needA line of credit. Sits unused until you need it, and you only pay for what you draw.
A defined one-off purchaseA term loan. Fixed amount, fixed schedule, 0% origination and 50% off remaining interest on a full early payoff.
Already carrying an advanceA refinance or buyout. Balances of $100,000 or less can often be bought out.
A bar earns most of its money in a handful of hours a week, and the licence, the inventory and the staff have to be paid for regardless of whether those hours land.

Matching the term to the asset

The most common mistake is a term that outlives the equipment or a payment that lands before the equipment earns. Financing draft systems, walk-in coolers, POS, sound and AV, and patio build-outs over a term roughly matched to its working life keeps the payment covered by what the asset produces.

Common questions

Can bars and hospitality businesses finance equipment with bad credit?

Revenue-based funding starts at a 600 credit score and 6 months in business, a 600 FICO. Equipment secured by the asset is often more forgiving than unsecured funding.

Is equipment financing cheaper than a loan?

Generally yes, because the lender has the asset behind it. It is usually slower, since the equipment has to be valued.

What equipment qualifies?

For bars and hospitality businesses: draft systems, walk-in coolers, POS, sound and AV, and patio build-outs.

How fast is funding?

Same-day decision and next-business-day funding on a complete file.

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