Funding for craft alcohol producers. Tank financing, taproom build-outs, distribution capital, expansion. Built for breweries, wineries, and distilleries.
Breweries, wineries, and distilleries operate at the intersection of manufacturing and hospitality. Production equipment is capital-intensive (a single fermentation tank can cost $30K-$80K), distribution requires specialized vehicles and licensing, taprooms need restaurant-grade build-outs, and inventory carrying costs are massive (whiskey aging 5-10 years before sale, wine fermenting 12-36 months). Funding strategy reflects this complexity.
Prime Restaurant Capital funds craft alcohol producers across all three categories. Funding ranges from $50K (taproom equipment) to $1M (production expansion, distribution build-out, multi-location taproom growth). Established producers with proven economics qualify; we don't fund pure startups.
Brewery production equipment: brew kettles ($30K-$120K depending on size), fermentation tanks ($25K-$80K each), brite tanks, packaging line (canning, bottling), refrigeration. Add taproom build-out and you're often looking at $400K-$1.5M total capital needs. Equipment financing handles the production side; renovation and working capital fund the taproom.
Winery operations have unique inventory carrying considerations — wine ferments and ages for months to years before sale. Production equipment includes presses, fermentation tanks, barrel storage, bottling line. Tasting room build-outs increase direct-to-consumer margin. Working capital funds the carrying cost of inventory in process.
Distilleries have the longest inventory cycles in alcohol production — whiskey ages 4-10+ years, brandy similar. Stills are expensive ($50K-$300K+). Aging warehouses require significant space. Working capital funds the multi-year carry on aging inventory; equipment financing structures still purchases.
Craft producers expand revenue through distribution (selling to bars/restaurants/retail) and DTC (taproom sales, online sales where legal, club programs). Distribution requires sales reps, delivery vehicles, and warehouse space. DTC expansion requires marketing, e-commerce infrastructure, and shipping logistics.
Frequently Asked
Yes. Production equipment is one of the most common financing requests in this category. Terms typically 36-72 months.
Yes. Taproom build-outs combine elements of restaurant build-outs with production equipment — fundable as renovation or expansion capital.
Distillery aging inventory creates funding challenges. We can fund based on production capacity and projected revenue, but typically require some current revenue from younger products or contract distilling.
Yes. Distribution expansion (sales reps, delivery vehicles, warehouse) is fundable through working capital and equipment financing.
Yes. Cideries, meaderies, and other craft alcohol producers qualify under the same programs.
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Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
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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.