Working Capital for Breweries & Distilleries
Craft breweries and distilleries tie up cash in tanks, barrels and aging inventory long before a single batch is ready to sell. Working capital helps producers buy grain and hops in bulk, add fermentation capacity or bridge the gap while spirits age in barrel for months or years.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so breweries & distilleries never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. Beer and spirits often need weeks, months or years of aging and fermentation before they generate a dollar of revenue, while ingredient and storage costs are paid up front.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. Federal and state excise taxes, along with licensing and compliance costs, add a layer of fixed expense that most retail businesses never face.
One approval, draw what you need, and return for additional funding as your breweries & distilleries business performs. Adding fermentation tanks, barrels or bottling equipment requires a large capital outlay to grow production capacity.
Add fermentation tanks, barrels or bottling lines to grow output.
Buy grain, hops, botanicals or barrels in bulk ahead of a production run.
Fund a taproom buildout or bridge cash flow while product ages.
Yes, working capital is based on your business's overall monthly revenue, not on whether a specific batch has sold. Many breweries and distilleries use funding specifically to cover costs during the aging or fermentation period.
There is no restriction on how funds are used, so breweries and distilleries commonly apply working capital toward excise taxes, licensing renewals and other compliance costs. You decide where the funding goes.
Funding ranges from $2,500 to $5,000,000, covering everything from a small nano-brewery to a larger regional producer. Qualification is based on at least six months in business and $10,000 or more in monthly revenue.
Paz funds breweries & distilleries from $2,500 to $5,000,000. Most breweries & distilleries qualify for $50,000 - $350,000, based on monthly revenue and time in business rather than collateral.
A US business that has operated for at least six months with $10,000 or more in monthly revenue, your last three months of bank statements and your EIN. The application takes about five minutes, and there is no hard credit pull to get pre-qualified.
Breweries & Distilleries funding, approved in as little as 24 hours