Capital for bars, taverns, lounges, and nightclubs. Liquor inventory, sound systems, build-outs, seasonal cash flow. Funded in 4 hours.
Bars and nightclubs operate on a fundamentally different model than food-focused restaurants. Liquor and beer drive the majority of revenue (often 70%+ of sales), margins on alcohol are exceptional (75-85% gross margins on cocktails, 70-80% on beer), and operations skew heavily toward Friday/Saturday nights and event-based revenue. Capital needs reflect this — large liquor inventories, sound and lighting systems, security infrastructure, and seasonal cash flow management.
Prime Restaurant Capital funds bars, taverns, dive bars, sports bars, lounges, cocktail bars, nightclubs, and entertainment venues. Funding ranges from $50K (small neighborhood bar working capital) to $1M (nightclub renovations, multi-unit lounge groups, large-scale venue acquisitions).
A serious bar program requires substantial inventory — premium spirits ($30-$80 per bottle wholesale, hundreds of SKUs), beer programs (kegs, cans, bottles), wine, mixers, and garnishes. A new bar typically needs $50K-$150K in initial liquor inventory. Established bars use working capital to expand premium offerings, build whiskey/scotch collections, or stock up for peak seasons.
Nightclubs and entertainment venues require professional-grade systems: sound system installations ($25K-$150K), lighting rigs and DJ booth ($15K-$80K), DJ equipment for resident DJs, video walls and projection systems. Entertainment infrastructure is often the difference between a $25 average ticket and a $60+ average ticket.
Bar build-outs run $200K-$800K depending on scope. This includes the bar itself (custom millwork, beer system installation, refrigeration), seating, lighting, finishes, plumbing, and HVAC. Bar renovations to refresh or rebrand typically cost $75K-$250K.
Bars in tourist markets, college towns, and outdoor-seasonal cities have dramatic revenue swings. A beach bar might do $200K in July and $25K in February. Working capital and lines of credit smooth these cycles, ensuring payroll and inventory continue through slow seasons.
Frequently Asked
Yes, particularly when the license is being purchased as part of a bar acquisition. Liquor license purchases in some markets (NYC, LA, Boston) can run $200K-$2M+.
Yes. We fund bars in all 50 states, including markets with quota systems, control states, and strict licensing regimes.
No. Bar revenue volatility is normal. We average 6-12 months and look at trajectory rather than week-to-week consistency.
Build-out funding for new bars typically requires you to have an operating restaurant or bar already (we don't fund pure startups). Acquiring an existing bar to renovate is fundable.
Nightclub funding qualifies under the same program. Higher revenue requirements typically apply ($50K+/month) but the structure and process are the same as bar funding.
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Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Approved on your revenue, not just your credit. Start your 1-minute application.
We are not a generic small-business lender. Prime underwrites restaurants only — and we fund the way you actually operate.
Every concept — full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.