Microbrewery Business Loans & Finance

Brewery Finance is designed specifically for microbreweries and nano brewery enterprises in the UK.

Business finance for independent brewers and distillers make it easier than ever for you to access the capital you need to run and grow your expanding business.

In recent years, there has been a surge in the popularity of microbreweries. These small-scale operations focus on producing high-quality, artisanal beers, often with unique flavors and ingredients. For many beer lovers, microbreweries offer a more enjoyable and authentic drinking experience than mass-produced brands.

In addition, the rise of the microbrewery business has had a positive impact on the economy. By supporting local businesses, consumers are helping to create jobs and boost economic activity in their communities. In addition, the burgeoning microbrewery industry is helping to revive the heritage of American beer-making.

After decades of decline, small-scale breweries are once again thriving, and their products are being enjoyed by an ever-growing number of beer lovers. Thanks to the rise of the microbrewery business, America’s rich brewing tradition is being reborn.

One of the newest business sectors in the UK are microbreweries, and many traditional lenders cannot provide the funds you need.

Funding a brewery business

When it comes to finance for your brewery, there are a few options for funding your business. One option is to take out a loan from a bank or other financial institution. This can give you the capital you need to get started, but it will also mean that you have debt to repay, with interest. Another option is to seek investment from venture capitalists or other investors.

This can provide a major boost to your startup funds, but it also comes with the risk that the investors will want significant control over your business. A third option is to bootstrap your business, using your own savings or money from friends and family. This can be a more challenging option, but it also allows you to maintain complete control over your business. Ultimately, the best funding option for your brewery will depend on your specific circumstances.

Type of business finance for Microbrewery

The following types of finance are available for brewery business owners, these are:

Merchant Cash Advance for microbreweries

Merchant cash advance for microbreweries is a type of funding that provides working capital to businesses in exchange for a portion of future sales. This can be an advantageous option for businesses that are unable to secure traditional financing, as it does not require collateral or strict credit requirements. Instead, repayment is based on a percentage of future sales, which gives businesses more flexibility in how and when they repay the loan.

This is where our merchant cash advance comes in to its own to financially support your business.

• Get up to £250,000 to grow your business in 24 hours
• Top-ups are available after 4 months
• We work with all card terminal providers (not all lenders do this)
• We’ve been helping small businesses since 2016
• We’re trusted by independent customer reviews
• Automated process with no manual payments from the customer
• Authorised and regulated by the Financial Conduct Authority (FCA)

Small Business Loan for Brewery

In the competitive world of beer and spirits production, staying ahead of the competition is essential. That’s why many breweries and distilleries are turning to PDQ Funding for their financing needs. PDQ Funding offers speedy lending decisions and flexible finance, allowing businesses to secure new premises, purchase more equipment, or rebrand their products.

As a result we have become a popular choice for breweries and distilleries looking to grow their business. Whether you’re looking to expand your operations or simply keep up with the latest trends, PDQ Funding can provide the financing you need to stay ahead of the competition.

• Brewery business loans of £5,000 – £500,000
• Competitive interest rates starting from 0.9% per month
• Quick and easy online application with minimum paperwork
• Approval and deposit in as little as 24 hours
• Interest charged on a reducing balance, not the total loan amount
• Top-ups and repayment holidays with all loans
• No hidden fees or early repayment penalties

What can brewery finance be used for?

Brewery finance can be used for a number of different purposes. One common use is to finance the purchase of brewing equipment. This can include everything from kettles and fermenters to bottle cappers and kegs. Brewery finance can also be used to fund renovations or expansions, as well as to cover the costs of raw materials and supplies.

In addition, many breweries use financing to help with the costs of marketing and advertising, in order to attract new customers and grow their business. Whatever the need, brewery finance can provide the funding necessary to help breweries achieve their goals.

1. Expansion

If your Microbrewery business is doing well, you might find yourself needing to move to a bigger premise, expand your workforce – or both. Expansion can be expensive, and you may not have the required cash on hand to make it happen. PDQ Funding offer business loans you could carry out these expansion plans.

2. Purchase Equipment

You might be thinking about ways you can improve your business’s daily operations for performance and productivity. Loans allow you to finance the specialist equipment that you brewery may need in order to do this.

3. Purchase More Inventory

As your brewery business grows, you need more high-quality products and services secured to generate revenue. Raising funds to do this can be challenging, which is why a business loan can really come in handy!

4. Training For Staff

It’s important for a business to be competitive in order to grow as an brewing industry leader. Training and developing your small workforce is a good investment and will undoubtedly bring better results for your business in the long term.

5. Advertising

Promotion is particularly important for any microbrewery to gain recognition and successfully progress. It can be difficult to source new customers and clients. A business loan effectively allows you to invest in the advertising required to achieve this.

Does my business qualify for a brewery loan?

It’s our mission to say yes to as many businesses as possible, and within 24 hours of receiving all your documents, so you can start planning your business’ future. In cases where business fail to meet our criteria, we can work with you to find a suitable loan provider.

You could apply for business finance with us if:

• You are a registered limited company or LLP.
• You’re a sole trader or non-limited partnership with less than four partners, in which case you can borrow a minimum of £25,000.
• You have been trading for a minimum of six months with a minimum monthly turnover of £5,000.
• Your business is based in England or Wales. If you’re based in Scotland or Northern Ireland, we can offer an unsecured loan of up to £250,000.

How much will my brewery loan cost?

The cost of your brewery loan will depend on several factors, including the size of the loan, the length of the loan term, and the interest rate which starts at 09% per month. The interest rate will be based on your credit score and the current prime rate. The size of the loan will be determined by your needs, and the length of the loan term can range from 12 months to 5 years. In general, the longer the loan term, the lower the monthly payments will be.

However, you will pay more in interest over the life of the loan if you choose a longer term. You can also choose to make envelopes payments on your loan, which will help you pay off the loan faster and save on interest. Talk to a loan officer to learn more about how much your brewery loan will cost.

F.A.Q’s

Is Microbrewery Finance easy to get?

Yes we fund businesses that have been trading for three months or more.

How much can my Microbrewery Borrow?

We advance between £5,000 - £200,000.

Is the Microbrewery a Loan?

It is a business loan alternative called a Merchant Cash Advance.

Is the Business Loan Secured?

It is not secured so your home and business premises are secured if anything goes wrong in the future. We will ask for a personal guarantee though.

How to apply for our brewery loans

It couldn’t be easier to apply for a alternative microbrewery finance.  Simply click the button below and complete our short application form. Once received one of our relationship managers will be in touch to guide you through the rest of the process. For more information on how we can help your microbrewery with finance feel free to view our website

Applying for a business loan or cash advance for your Microbrewery or distillery takes just a matter of minutes. Our dedicated account managers are on hand to help with anything you’re confused about. If you need a hand navigating the application process, get in touch on 01246 233108.

Step 1:

Click to apply for funding. You will be redirected to a page where we will ask for more information about your business, including:

• The name of your micro brewery
• Number of years trading
• Business company number
• Your shop or stores average monthly card terminal turnover
• Amount you are wanting to borrow for the business

Step 2:

The next step involves us asking a few personal questions:

• Your title, first name and surname
• Full address if registered in England and Wales
• Your contact details, telephone and email address

Step 3:

Carefully read our terms and conditions, accept them and click ‘get my business finance quote’. Your application will be reviewed quickly by one of our finance specialists.

Step 4:

Please expect a call and email from one of our dedicated account managers, this is to discuss your needs and any questions you may have in regards to your loan or cash advance agreement.

Step 5:

Carefully read through the terms of agreement and sign the relevant documentation ready to return to your account manager. Once the application form has been received funding can be in your account within 48 hours