From brewhouses to adding fermentation capacity, a canning line or distribution, Rainstar Capital Group connects brewery owners with commercial financing built around production cycles, seasonal releases and distributor terms.
Breweries combine manufacturing with hospitality. Brewing equipment is costly, beer takes weeks to produce, and distributors pay on terms, all while the taproom needs to stay fresh and staffed. Between production cycles, seasonal releases and distributor terms and the cost of brewing equipment, brewery owners need capital that fits the way their business actually works, not a one-size-fits-all loan.
The right financing turns those pressures into opportunities. It lets brewery owners invest in brewhouses, fermenters, canning lines, kegs and cold storage, keep malt, hops, cans and finished beer on hand and pursue growth such as adding fermentation capacity, a canning line or distribution, without draining the cash that keeps daily operations running.
We work with craft breweries, brewpubs, taprooms and production breweries, and we structure every request around the realities of your cash cycle, from production cycles, seasonal releases and distributor terms to the equipment and space you need to grow.
Craft brewers are artists running manufacturing businesses, and we love financing both sides of that. Adding fermenters or a canning line can transform a brewery, and our financing gets the equipment in place while distributor invoices catch up.
Every brewery business hits cash-flow pressure points. Here is how lines of credit and the right loan structures turn each one into an opportunity.
Much of your revenue arrives as invoices from distributors and retailers, while payroll, rent and suppliers are due now.
How financing solves itInvoice factoring or a receivables-based line of credit advances cash against what you've already earned, so operations never wait on customers.
Brewhouses, fermenters, canning lines, kegs and cold storage are expensive to buy and maintain, and when they fail, revenue stops.
How financing solves itEquipment financing spreads the cost of brewing equipment over its useful life, uses the equipment as collateral and preserves your cash.
Keeping malt, hops, cans and finished beer on hand requires significant capital, especially ahead of busy periods or when suppliers offer volume pricing.
How financing solves itInventory financing and short-term working capital let you stock up strategically without starving the rest of the business.
Opportunities like adding fermentation capacity, a canning line or distribution require capital up front and take time to pay back.
How financing solves itTerm loans and SBA 7(a) loans provide longer repayment schedules that match the payback of growth investments.
Rising rent on your brewery and taproom can erode margins at every renewal, and landlords may not renew on your terms.
How financing solves itCommercial real estate loans and SBA 504 financing help you buy your property, lock in occupancy costs and build equity.
Adding fermenters or a canning line is a big investment that unlocks new revenue. For brewery owners, that pressure can slow growth or force hard trade-offs.
How financing solves itEquipment financing funds brewhouse and packaging upgrades with payments matched to output. Payments are structured around your cash cycle, so you can keep operating with confidence.
From commercial real estate and equipment to inventory, factoring and business lines of credit, we match brewery owners with the product that fits the need.
Flexible, revolving capital for payroll, supplies and seasonal gaps. Draw what you need and pay interest only on what you use.
Turn invoices from distributors and retailers into immediate cash.
Fund malt, hops, cans and finished beer so you never miss a sale or a supplier deal.
Finance brewhouses, fermenters, canning lines, kegs and cold storage, new or used, often with little money down.
Purchase, refinance or expand your brewery and taproom with long-term fixed or variable options.
Government-backed loans with longer terms for acquisitions, real estate, equipment and refinancing.
A lump sum for adding fermentation capacity, a canning line or distribution, repaid on a predictable schedule.
Fast funding for short-term needs, often within days.
A short application and a few recent bank statements are usually enough to start.
We shop your request across our lender network and walk you through the terms side by side.
Choose the offer that fits and put the capital to work in your brewery business.
Brewery owners commonly use business line of credit, invoice factoring, inventory financing, equipment financing, commercial real estate and SBA 7(a) & 504 loans. The right mix depends on what you're funding, how quickly you need it and how long you've been in business.
Yes. Equipment financing covers brewhouses, fermenters, canning lines, kegs and cold storage, both new and used. The equipment typically serves as collateral, which can make approval easier and keeps your cash free for operations.
Adding fermenters or a canning line is a big investment that unlocks new revenue. For brewery owners, that pressure can slow growth or force hard trade-offs. Equipment financing funds brewhouse and packaging upgrades with payments matched to output. Payments are structured around your cash cycle, so you can keep operating with confidence.
Working capital and lines of credit can fund in days. Equipment financing often takes about a week. SBA and commercial real estate loans take longer because of underwriting and appraisals.
Not necessarily. Lenders look at cash flow, time in business, collateral and credit together. We start with a soft review where possible so you can see your options before anything affects your score.
Practical articles for brewery owners on cash flow, equipment, real estate and growth capital.
Tell us what you're working toward. We'll compare lenders and products and show you options that fit.
Checking your options won't affect your credit score. All financing is subject to lender approval.
