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Industry

Bars and nightclubs funding by state and city

Same-day card and cash receipts, concentrated on a few nights a week.

Apply Now Do I Qualify?

✓ Checking what you qualify for does not affect your credit score.

47States

500sScores placed

$10K–$350KRange

Same dayDecision

Why bars and nightclubs qualify

Bars and nightclubs are classified under Drinking Places (Alcoholic Beverages), an eligible category.

Same-day card and cash receipts, concentrated on a few nights a week.

What the capital is normally for

In practice: liquor inventory, sound and lighting, patio build-out, POS, staffing for peak season.

Sharply seasonal and event-driven; deposits are lumpy by design.

The published thresholds

Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.

Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.

Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.

The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.

Line of credit $10,000 to $350,000, from 1% per month on the drawn balance, 2.49% per draw

Term loan $10,000 to $250,000, 0% origination, weekly payments

MCA refinance $10,000 to $100,000

Same-day decision, next business day funding on a complete file

Funding in all 50 US states.

Questions

Do you fund bars and nightclubs?

Yes. The category is eligible.

What credit score is needed?

The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.

How fast can funding arrive?

Same-day decision, next business day funding on a complete file.

See what you qualify for

Same-day decision. Applying takes a few minutes and will not affect your credit score.

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