Industry expertise
Financing Built for Bars and Breweries
Whether you're upgrading a draft system, expanding a taproom, or covering payroll through a slow season, TrustFi helps bars and breweries get working capital fast.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Businesses funded
- 10,000+Businesses funded
- In funding secured
- $500M+In funding secured
- Industries served
- 50+Industries served
Why it's different
Funding built around how bars & breweries actually run
Running a bar or brewery means juggling costs most lenders don't understand: keg deposits, draft line cleaning, liquor liability insurance, and a liquor license renewal that can't wait. Revenue swings hard between a packed Friday taps night and a dead Tuesday in February, and seasonal patio traffic can make or break a quarter. Traditional banks often see restaurant and beverage businesses as high risk and slow-walk applications, leaving owners short on cash exactly when a walk-in cooler fails or a distributor wants payment upfront.
TrustFi looks at how your bar or brewery actually operates, not just a credit score. We fund taproom buildouts, tank and fermentation equipment, POS and bar systems, and the working capital that carries you through a slow month before festival season or football season picks back up. Applying takes under 10 minutes and won't affect your credit score, and most owners get a decision with our 2-hour response guarantee. With over 20 years of experience funding small businesses, we know a brewery's cash flow doesn't move on a bank's schedule.
What we hear
The cash-flow pressures you know too well
Seasonal Patio and Event Swings
Warm-weather patio seating and festival season can double revenue, while winter months and slow weeknights strain cash flow. Financing that flexes with draw-as-needed access helps cover payroll and inventory between those seasonal peaks without overborrowing in the off months.
Costly Draft and Refrigeration Equipment
Draft towers, glycol cooling systems, fermentation tanks, and walk-in coolers are expensive to buy and even more expensive when they fail mid-shift. A single breakdown can shut down beer sales for days, making fast equipment financing essential to reopening quickly.
Liquor License and Compliance Costs
Liquor license fees, renewal timelines, liability insurance, and health inspections all carry hard deadlines and real dollar costs. Missing a renewal window over a cash crunch can mean losing the ability to legally pour, so predictable capital access matters.
Distributor Terms and Inventory Prepay
Beverage distributors often require upfront or net-15 payment for kegs, cases, and spirits, tying up cash before a single pour is sold. Bars that can't prepay lose access to seasonal releases and limited runs their customers expect.
Where the money goes
What bars & breweries use funding for
- Replace or upgrade a failing glycol draft system
- Buy fermentation tanks and canning equipment for brewing
- Build out or renovate a taproom or patio
- Prepay distributors for kegs, cases, and spirits
- Cover payroll through slow winter weeknights
- Renew liquor licenses and update POS bar systems
Our recommendation
Funding options that fit bars & breweries
Based on how businesses in your sector earn and spend, these three structures tend to work best.
- Option 1
Business Line of Credit
Draw funds only when you need to bridge a slow week or restock before a big event, and pay interest solely on what you use, ideal for bars riding seasonal swings in foot traffic.
How it works - Option 2
Merchant Cash Advance
Repayment tracks a percentage of daily card sales, so a slow Tuesday costs less than a packed Saturday, a natural fit for bars where revenue is driven by nightly card transactions.
How it works - Option 3
Business Term Loans
A fixed lump sum with a set schedule works well for planned investments like a taproom buildout, new draft system, or fermentation tanks that pay off over several seasons.
How it works
Getting started
Three steps, no runaround
- 1
Tell us your story
Share a few details about your business and what you need the capital for. It takes under 10 minutes and never touches your credit score.
- 2
Review your options
A specialist reviews your file and comes back with clear, side-by-side options — real numbers, plain English, no pressure.
- 3
Fund your future
Pick the option that fits. Once you approve, funds can reach your account in as little as 24 hours.
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
Can a new brewery with limited credit history qualify for financing?
Yes. TrustFi looks beyond a personal credit score at how your brewery actually operates, including revenue, card sales, and time in business. Applying does not impact your credit score, and the application takes under 10 minutes. We work with breweries at different stages, including newer operations still building a credit profile, to find a fit that makes sense.
How fast can I get funding for a broken draft or refrigeration system?
Speed depends on your situation, but TrustFi offers a 2-hour response guarantee and funding in as little as 24 hours for qualifying applications. Equipment failures like a dead glycol chiller or walk-in cooler are exactly the kind of urgent, revenue-threatening cost this speed is built for, so you won't lose a weekend of beer sales waiting on paperwork.
Can financing help cover a liquor license renewal or compliance fee?
Yes. A business line of credit or short-term loan can cover license renewals, liability insurance premiums, or health inspection costs so a licensing deadline never puts your ability to pour at risk. Because these costs are predictable but timed on the state's schedule, having funds ready ahead of the deadline is often easier than scrambling.
Does a merchant cash advance make sense for a bar with heavy card sales?
It can. A merchant cash advance repays as a percentage of daily card transactions, so payments naturally scale down on slow weeknights and up on busy weekends. For bars and breweries where the point-of-sale system captures most revenue, this ties repayment to actual cash flow instead of a fixed monthly bill.
What can I use bar and brewery financing for?
Common uses include taproom or patio renovations, replacing draft and refrigeration equipment, prepaying distributors for kegs and cases, covering payroll during slow seasons, and financing fermentation or canning equipment. TrustFi structures funding around what your business actually needs, whether that's a single large purchase or ongoing working capital.
Will applying for financing hurt my brewery's credit score?
No. Applying does not impact your credit score. TrustFi's initial application review does not require a hard credit pull, so you can explore your options and compare terms without any risk to your business or personal credit standing before deciding whether to move forward.
Funding for bars & breweries, without the runaround.
Apply in under 10 minutes. A specialist who understands your sector will walk you through the options within two hours.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees