Equipment Financing / Breweries
Equipment Financing for Breweries
Capacity is the whole business. A brewery that cannot free a tank cannot brew, and the tap handle goes to whoever can fill it that month.
How does equipment financing work for breweries?
Brewery equipment financing pays your vendor for tanks, packaging lines, glycol, and cold storage, repaid across 36 to 84 months. The equipment secures the transaction, which is why breweries in year 1 can often qualify with a vendor quote and 10 to 20 percent down.
Estimates, not offers: Amounts, terms, and funding times are estimates based on programs commonly available in food service. Actual terms vary by program, lender underwriting, time in business, revenue, and credit profile. Nothing here is an offer of credit or a guarantee of approval. See source and method.
What this covers
- /Covers fermenters, brite tanks, brewhouses, canning and kegging lines, glycol systems, and walk-in cold storage.
- /New and used systems both qualify, including dealer and auction purchases at shorter terms.
- /Freight, rigging, and installation can be rolled into the amount financed.
- /Terms run 36 to 84 months so the payment sits under the barrels the tank will actually produce.
- /Existing paid off equipment can be refinanced to fund the next capacity step.
| Detail | |
|---|---|
| Typical amount | 5,000 to 500,000 |
| Term | 24 to 84 months |
| Time to funding | 1 to 5 business days |
| Documents | Application, equipment quote, bank statements |
| Cost structure | Fixed monthly payment |
Estimates, not offers: Amounts, terms, and funding times are estimates based on programs commonly available in food service. Actual terms vary by program, lender underwriting, time in business, revenue, and credit profile. Nothing here is an offer of credit or a guarantee of approval. See source and method.
What it looks like in practice
A 1,500 barrel brewery adds 2 forty barrel fermenters for 96,000 across 60 months instead of turning down wholesale orders.
A brewpub finances a mobile canning setup and a glycol upgrade on one schedule tied to the vendor quote.
Other financing for breweries
Questions operators ask
Can a brewery finance used tanks?
Yes. Used fermenters and brite tanks are common collateral, usually at a shorter term and sometimes with a larger down payment.
How fast can brewery equipment fund?
With a vendor quote and a completed program application, decisions often come back within 1 to 3 business days and funds commonly release within 1 to 5.
Can a brewery under a year old finance equipment?
Often yes, because the equipment secures the transaction. Expect a shorter term and 10 to 20 percent down.
Is a canning line financed differently than tanks?
No. Both are equipment collateral, though packaging lines sometimes carry shorter terms because of faster depreciation.
Is a hard credit pull required to see options?
No. A specific lender discloses its requirements before anything is pulled.