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Funding

Which kind of funding fits your bar, café or hospitality business?

Most beverage-led and guest-hosting businesses use four core tools: equipment financing for specific gear, term loans for renovations, working capital for inventory and staffing, and a line of credit for recurring slow months. Revenue-based financing and SBA loans round out the options. The right choice depends on what the money is for and how your sales move.

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Working CapitalA lump sum for inventory, staffing and pre-season costs that land before your busy nights and months do.Read moreEquipment FinancingDraft systems, espresso machines, sound rigs and hotel FF&E, paid over the working life of the gear.Read moreBusiness Line of CreditDraw what you need for slow months, weekday gaps and surprise repairs, and pay on what you use.Read moreTerm LoansFixed payments for remodels, build-outs, lounge re-concepts and room refreshes with a clear scope.Read moreRevenue-Based FinancingRepaid as a share of sales, so payments move with busy and slow months. Compare the total cost first.Read moreSBA Loan OptionsLonger terms for planned projects, with more paperwork and time. We help you compare them with faster options.Read more

How do you match the funding to the need?

Start with the purpose, not the product. If you are buying a specific piece of equipment, equipment financing usually fits. If most of the cost is construction, look at a term loan. If the need repeats every slow season, a line of credit is often more efficient. One-time pre-season costs usually suit working capital.

What do funders usually review?

Funders usually review recent bank statements, credit, existing payments and how the funds will be used. Requirements vary by product and funder; many look at time in business, monthly revenue and credit. Seasonal businesses often do best showing a full year of deposits so slow months are read in context.

OpenTab Capital helps bars, cafés and hospitality businesses get funded through our funding partners. One application lets us look across several product types, and you are under no obligation to accept an offer. See how it works.

Frequently asked questions

Can funding be used for a beverage program or bar inventory?

Yes. Working capital is commonly used for opening or seasonal inventory, and equipment financing can cover the physical side of a beverage program, such as draft systems, wine storage or a coffee station. Match the funding to how quickly the inventory sells, since slow-moving bottles tie up cash longer.

How long does funding usually take?

It depends on the product and your documents. Some approvals come within a day or two, depending on documents, especially for working capital. Equipment financing depends on vendor quotes and invoices, and SBA loans usually take considerably longer. Having bank statements and quotes ready is the best way to avoid delays.

Do seasonal sales hurt my chances of getting funded?

Seasonal sales are normal in this industry, and many funders review the full year rather than a single slow month. Consistent peaks, a healthy average balance and a clear explanation of your pattern usually help. Applying before the slow season, while deposits look strong, is often easier than applying in the middle of it.

Is there a minimum amount I can request?

Requirements, including request amounts, vary by product and funder. Rather than guess, tell us what the project or need actually costs, and we will look at which options fit. Very small purchases are sometimes simpler to pay from cash flow than to finance.

Start with what the money is for

One short application lets us look for options across our funding partners.

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Updated September 14, 2026 · OpenTab Capital Funding Team