Funding for Breweries, Wineries & Distilleries
Producers are capital-heavy and patient by nature: equipment financing covers up to 100% of tanks, canning lines, and kegs, while working capital bridges the long stretch between brew day and the day the distributor's check clears.
Every brewer, winemaker, and distiller knows the timeline problem. The fermenter you buy today makes beer you sell next quarter; the barrels you fill this fall become revenue in two years. Banks understand the equipment but choke on the inventory — money tied up in product that is literally not ready yet. Broadway looks at what your taproom and distribution actually deposit: one short form, three months of bank statements, a soft credit pull, same-day decision. Equipment financing runs up to 100% of cost on tanks, canning lines, and glycol systems, term loans go up to $5M for bigger buildouts, and short-term capital can land in as little as 24 hours when the canning run cannot wait.
The challenge
Your money sleeps in tanks and barrels. Capital goes into grain, grapes, and stainless steel months — sometimes years — before a single pour gets sold, while distributors pay on terms and the excise taxes and payroll run on the calendar.
How Broadway Advance helps
Producers are capital-heavy and patient by nature: equipment financing covers up to 100% of tanks, canning lines, and kegs, while working capital bridges the long stretch between brew day and the day the distributor's check clears.
What owners use it for
- Add fermenters and brite tanks to stop turning away wholesale demand
- Buy or lease a canning or bottling line instead of paying a mobile canner forever
- Float grain, hops, grapes, cans, and labels for the next production run
- Bridge distributor invoices that pay on terms while payroll runs weekly
- Build out or expand the taproom — the highest-margin square footage you own
- Cover barrel programs and aging inventory that will not sell for months or years
See your real number in about five minutes.
Apply nowFunding options that fit breweries, wineries & distilleries
Equipment Financing
Buy the equipment you need; the equipment itself secures the deal.
Up to 100% of equipment cost →Term Loan
The lowest rates and longest terms, with predictable monthly payments.
Up to $5,000,000 →Asset-Based Lending
Turn real estate, inventory, equipment, or credit into working capital.
Based on asset value →Breweries, Wineries & Distilleries funding questions
Can I finance tanks and a canning line without draining my working capital?
Yes — that is exactly what equipment financing is for. Broadway can finance up to 100% of equipment cost, the equipment itself secures the deal, and your cash stays in the business covering ingredients and payroll. Pricing is generally much better than short-term working capital because the lender has collateral. For stainless, canning lines, glycol, and kegs, this should almost always be your first tool, with an advance reserved for genuine cash-flow gaps.
Most of my money is tied up in aging inventory. Does anyone lend against that?
Asset-based lending can — inventory and receivables are exactly the assets it works from, and for a producer sitting on barrels or a warehouse of cases, it often unlocks more capital than a cash-flow loan would. The trade-offs are real: ABL involves more documentation and monitoring than an MCA's three bank statements, and it takes longer to close. If you need money this week, it is the wrong tool. If you need a bigger, cheaper facility, it is often the right one.
Taproom sales are strong but distribution pays slow. Which product actually fits that?
That split is common and it usually points to two different tools. A line of credit or asset-based facility bridges the distributor receivables — draw against what you are owed, repay when they pay. Your taproom's daily card sales, meanwhile, can support a merchant cash advance if you need fast capital for a one-time push. The advance is quicker and more expensive; the receivables-based options are slower and cheaper. Most growing producers eventually use both at different moments.