Merchant Fund Express
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Inventory Funding for Bars and Nightclubs

Stock the bar for the big weekend, the holiday rush or a new cocktail menu. Quick application, decisions that move fast.

Stock My Bar

Bar and Nightclub Inventory

Never run dry on a packed night

Buy liquor, beer and mixers when it matters most, and repay on a schedule shown in your offer before you accept.

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.

Inventory capital on your timeline

Fast, light paperwork

5 minutes to apply, about three months of statements, no tax returns.

Credit flexibility

FICO 500+ considered. We focus on your venue's sales rhythm.

Clear total cost

The full repayment amount is in your offer before you accept. No surprise costs after you sign.

Predictable repayment

Your schedule is laid out up front, so you can plan reorders around it.

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.

Stock is your biggest controllable cost

Liquor, beer, wine and mixers are what you sell, and running dry on a popular bottle in the middle of a packed night costs more than the bottle. Many distributors expect payment on delivery or within a short window, and holiday weekends, sports playoffs, festivals and big events all call for a heavier order than usual.

Inventory funding for bars and nightclubs lets you place the order you need when you need it, without starving payroll or rent.

When owners reach for inventory capital

How we review an inventory request

We look at about three months of business bank statements to see your sales rhythm and existing obligations. That is what shapes the amount. FICO 500+ is considered, no tax returns are required, and the first step is a soft credit pull. Sole proprietors can apply.

For venues that reorder constantly, a business line of credit for bars and nightclubs lets you draw for each order. For a one-time stock-up, working capital for bars and nightclubs is usually the simpler fit.

Buy what sells

Before you place a large order, pull your POS reports. Which bottles move every weekend? Which sit on the back bar collecting dust? Put most of the money into proven sellers, test new products in small quantities, and keep an eye on pour costs so the extra stock earns its keep. Tight inventory counts also reduce shrinkage, which protects every dollar you fund.

Stock up and get ready

Your offer shows the full repayment amount and the repayment schedule before you accept, so you can compare it against the margin on the stock. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. Apply in about 5 minutes.

Frequently Asked Questions

Can I use inventory funding for liquor and beer?

Yes. Liquor, beer, wine, mixers, garnishes, glassware and bar supplies are all common uses.

How much inventory funding can a bar get?

Our range is $25,000 to $5,000,000. Your deposits and existing obligations drive the amount.

Can I use funding to take a distributor volume deal?

Yes. Fast decisions help you act on a deal before it expires.

Do I need to show POS reports?

The application is built around about three months of business bank statements. POS reports help you decide how much to request.

What if I only need stock a few times a year?

A lump sum before each big season may work, or a line of credit you draw only when you need it.

Can a sole proprietor who owns a bar apply?

Yes. Sole proprietors can apply. What matters most is a business bank account showing steady deposits from your venue, along with the short application.

Liquor order $18,000.00
Beer and kegs $9,000.00
Premium spirits $12,500.00
Glassware $3,200.00

Example uses for illustration only.

How to improve your chances

Tighter inventory habits make funding go further and easier to qualify for.

  • Run weekly counts to catch shrinkage early
  • Use POS data to cut slow-moving bottles
  • Get distributor volume pricing in writing
  • Deposit all sales into your business account

Inventory funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Too slow for distributor deals
Documents
About 3 months of statements
Tax returns and P&L
Credit
FICO 500+ considered
Strong credit expected
Industry view
Bars and nightclubs welcome
Liquor businesses often declined
First credit check
Soft pull
Hard inquiry common

Stock up before the next big night

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

Apply for Funding
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