Merchant Fund Express
(305) 384-8391Apply

Expansion Funding for Bars and Nightclubs

Add the patio, the event room or the next location with funding sized to your deposits. Apply in 5 minutes and get funded in as little as 24 hours if qualified.

Fund My Expansion

Bar & Nightclub Expansion

Build out the venue without starving the bar

We size offers to your deposits so the new space can come together while liquor orders, payroll and rent keep getting paid on time.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Why bar owners expand with us

Fast, light paperwork

A 5-minute application and about three months of bank statements. No tax returns. Qualified venues can be funded in as little as 24 hours.

Credit is one factor, not the gate

FICO 500 and up is considered. Your deposit history carries real weight in how we size the offer.

Costs on the table first

Your offer shows the full repayment amount before you accept, so there are no surprise costs after you sign.

Repayment you can plan around

The payment schedule is laid out in the offer up front, so you can map it against your busy and quiet nights.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Growing a bar without draining the till

Most bar owners we talk to are not short on ideas. They want the rooftop deck, the back room for private events, the second bar station that cuts the Saturday wait in half. What they are short on is a pile of cash that can be spent on build-out without leaving the weekly liquor order and payroll uncovered.

Expansion funding from Merchant Fund Express is built for that gap. We look at how money actually moves through your accounts, then put an offer in front of you sized to what your deposits can carry. Amounts run from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.

Common expansion projects we see

Matching the product to the project

A one-time build-out usually pairs well with lump-sum working capital. If the project will roll out in stages, a business line of credit lets you draw as invoices from contractors come in. Venues with strong card volume often look at a merchant cash advance or revenue-based financing, where repayment is tied to sales. We will walk through which structure fits before you commit.

What we review

We start with a soft credit pull, so checking your options does not ding your score. From there we need about three months of business bank statements. No tax returns are required. FICO scores from 500 up are considered, and sole proprietors can apply. The big drivers are steady deposits and how much you already owe to other funders, since the new payment has to sit comfortably alongside everything else.

Timing matters too. Many owners apply a few weeks before construction starts so the money is ready when the contractor wants a deposit, rather than scrambling once work is underway. If your venue is seasonal, tell us; it helps us suggest a structure that fits the quieter months.

Ready to see a number? Start the 5-minute application.

Frequently Asked Questions

How much can a bar borrow for an expansion?

Anywhere from $25,000 to $5,000,000 is possible, but the figure for your venue depends mainly on your monthly deposits and existing obligations.

Can I fund a second location before it opens?

Offers are based on the deposits of your current, operating business. If the existing bar has steady volume, that history can support funding for the new site.

Do you need my tax returns?

No. About three months of business bank statements and the short application are usually enough to get an offer started.

Will applying hurt my credit?

We begin with a soft credit pull, which does not affect your score.

How will I know the total cost?

Your offer shows the full repayment amount and the payment schedule before you accept anything.

Patio build-out $65,000.00
Sound system $40,000.00
VIP room $90,000.00
Second location $250,000.00

Example uses for illustration only.

How to improve your chances

A few habits tend to strengthen an expansion request before you apply.

  • Run all card and cash sales through one business account
  • Keep a few months of statements without overdrafts
  • Get contractor quotes so you know the real project cost
  • List existing advances or loans so we can size around them

Expansion funding: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long forms and business plan
Documents
About 3 months of bank statements
Tax returns, financials, projections
Credit
FICO 500+ considered
Usually strong credit expected
Speed
As little as 24 hours if qualified
Often several weeks
Bars and nightclubs
Built for established venues
Often seen as higher risk

Ready to grow the room?

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
Apply NowCall