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Business Loans For Bars

Looking to grow your business? Or just need a little extra working capital to keep your business moving? 

Our small business loans are available between £5,000 – £500,000 for almost any purpose.

We’re not a bank. Our lending criteria is different, and we look at more than just your credit profile.

Check your eligibility online in just two minutes, with no impact on your credit score, and you could receive your funds in as little as 24 hours.

How does the business loan work?

Unlike a traditional loan, Capify’s is paid back in very small amounts regularly. The repayments are completely automated so you don’t need to do anything. Many business owners love our regular payments, because they don’t have to save a large amount by a fixed date each month.

To be eligible for a business loan, you'll need to:

The benefits of a Capify business loan

Everything a small business needs to know about raising finance and paying it back

Want to invest in your experimental cocktail menu, decor, or front of house team? You’ll need extra cash to make it happen.

Your bar’s atmosphere, TripAdvisor reviews, and locally famous events make it what it is. If you want to raise finance, it’s important to choose a loan company that understands your industry.

Capify’s bar business finance is simple, with really easy payments. Repayments will go up or down as cash comes into your restaurant, helping you to afford repayments whether you’re busy or a bit on the quiet side.

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The Latest Retail Industry Trends

Bars and nightlife are always changing. Over the last couple of years we saw more jobs, a bigger interest in ‘experiential’ venues, and an increase in spending at the bar.

Who are bar loans for? You!

Any bar could do amazing things with a small business loan, whether they’re a popular budget spot for students, a niche music venue, or an uber fancy wine cellar.

Most importantly, a bar loan would suit a business that has big plans for its future. That includes everything from shiny new glassware, tables, and chairs, to smarter point of sale tech and training for your staff.

Impress even more customers

Your bar needs to stand out for all the right reasons. TripAdvisor has a massive 490 million monthly users all over the world, and they’re all keen to read and share what they think about bars just like yours.

Whatever you’re picturing – sold out events, a super fast drinks ordering system, or the most unusual cocktail ingredients money can buy – a bar loan can help make it happen, and give customers loads of reasons to recommend you. 

Different types of bar finance

Capify provides business loans and finance options to help jazz up your bar business. Discover our loan products below:

This loan is secured against a vehicle, property, or piece of equipment. If you can’t make repayments, the loan company will take this to cover costs.

An unsecured business loan is the opposite of a secured loan. You don’t have to put any of your own stuff down to get the cash.

The Merchant Cash Advance is perfect for service businesses like your bar. You’ll get a lump sum of cash, then repay it through a small percentage of your card payments. This is taken before the cash lands in your account, so you won’t even notice the payments coming out.

There are other options available too. Some bars can get government grants, use their overdraft, or apply for credit cards and asset finance. This can be pricey though, so always look around for a good deal before you decide.

How your bar can use finance

What are your big priorities for the next few years? Maybe you want to become a destination for wine lovers, host big events, or just make the day-to-day stuff faster and simpler.


Style and decor can be just as important as the drinks menu. Make it cosy, Instagram-ready, luxurious, themed – whatever you want!

Every business has admin to do. Invest in the right tools and software and you could make stock management, orders, and digital marketing much easier.

Your choice of beers, spirits and wines are everything. Keep it diverse and source from the industry’s best.

Weddings, parties, gigs, and other events can be really profitable for your bar. Funding can help you create a versatile space that’s ready for hire.

Business finance can put essential cash into your bar, helping you buy day-to-day stuff as well as invest in big changes.

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