BREWERIES & DISTILLERIES • LINE OF CREDITBrewery and distillery financing — keep production ahead of demand
Loot offers breweries, distilleries, and craft beverage producers an unsecured business line of credit from $5,000 to $100,000. Use it to cover grain, hops, and spirits ingredients, packaging, barrel and aging costs, or licensing and excise tax bills, without draining the cash needed to keep the next batch moving. Established craft beverage producers with 1+ year in business and $200K+ in annual revenue can check their options with a soft pull. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
No collateral
No hidden fees 
Same-day funding for $49
Brewery and distillery challenges: ingredient buys, barrel time, and seasonal swings
Breweries and distilleries often pay for grain, hops, yeast, or base spirits, plus packaging, months before that batch is ready to sell — and for barrel-aged products, cash can be tied up in a barrel for years before a single bottle ships. Add in licensing renewals, excise tax payments, and a seasonal rush for holiday releases or patio season, and production cash flow can fall behind even when sales are strong.
Purchase grain, hops, or base spirits and packaging months before a batch sells- Cover barrel and aging costs that tie up cash for months or years
- Manage licensing, excise tax, and seasonal production ramp-up costs
Where a brewery and distillery line of credit does the heavy lifting
Six moments when production cash flow needs backup — and how a Loot line of credit can help.
Buy grain, hops, or base spirits ahead of a batch
Raw ingredients for a new batch have to be purchased and paid for well before that beer or spirit is ready to sell, and bulk pricing on hops or grain often requires paying upfront. A line of credit can help secure ingredients without pulling cash away from the rest of the operation.
Cover barrel and aging costs
Barrel-aged beers and spirits can tie up cash in oak, storage space, and the product itself for months or years before it's ready to release. A line of credit can help cover new barrels or extended aging costs while that inventory sits and matures.
Stock up on cans, bottles, labels, and packaging
Packaging often has to be ordered in bulk and paid for before a release date, especially for a new label run or a seasonal release. A line of credit can help cover packaging costs so a release isn't delayed waiting on cash.
Manage licensing renewals and excise tax payments
Federal and state licensing fees and excise tax payments come due on their own schedule, regardless of how sales are trending that month. A line of credit can help cover these costs without pulling cash away from the next production run.
Ramp up production for a seasonal release
A holiday release, summer seasonal, or new limited-run product can require a bigger ingredient buy, extra packaging, and more brewing or distilling time all at once. A line of credit can give producers the working capital to scale up a seasonal run without straining the rest of production.
Cover equipment maintenance and repairs
A fermenter, still, canning line, or bottling machine going down can delay every batch behind it. A line of credit can help cover repair costs or a rental replacement before downtime pushes back a release.
How a brewery and distillery line of credit helps
A business line of credit for breweries, distilleries, and craft beverage producers provides flexible capital for ingredients, packaging, barrels, and licensing. Draw loot when needed, repay as product sells, and keep production running ahead of demand.
Loot for ingredients
Draw capital instantly to stock grain, hops, or base spirits for the next batch.
No hidden costs
Only pay for what you use — no extra fees added to the bill.
Fits any production size
From a small craft producer to a multi-line brewhouse or distillery, the line flexes with your needs.
Trusted by breweries and distilleries
Built by operators who understand long aging cycles, seasonal production swings, and licensing costs that don't wait for cash flow to catch up. Transparent pricing, no hidden costs.
Speed that keeps a batch on schedule
From application to funding, Loot provides producers with capital faster than a release date can slip.
Flexible like a production calendar
Use a little or a lot. Repay as product sells. Scale limits as the business grows.
How a Loot line of credit works for a brewery or distillery
Say your business needs $20,000 for a grain and hops order, new barrels for an aging program, and a run of cans ahead of a seasonal release. With Loot, you can draw $20,000 from your approved line.
Before you confirm, you choose a fixed weekly repayment plan upfront, such as 16, 20, or 24 weeks. You see the total cost before you move forward.
If that seasonal release sells through faster than expected and you pay the draw off early, there is no prepayment penalty. Paying off early can save up to 50% of remaining fees.
As you repay, your line revolves — the funds become available again as you pay down the draw. Same-day approval is standard, decisions happen in minutes, and once approved, same-day funding is available for a $49 transfer fee.
Requirements for brewery and distillery financing
To qualify with Loot, your brewery, distillery, or craft beverage business needs:
1+ years
$200k+
None
Checking eligibility is a soft pull, so it does not impact your credit score, approved or not. Loot looks at real business cash flow, not just a credit score.
Brewery and distillery line of credit vs. term loan vs. business credit card
| Features | Business Line of Credit | Term Loan* | Business Credit Card |
|---|---|---|---|
| How you access funds | Draw from an approved credit line when your production business needs funds | Receive one lump sum upfront | Use the card for purchases up to the credit limit |
| What you pay for | Only the amount you draw | The full loan amount* | Purchases made on the card |
| Repayment | Each draw has a fixed daily, weekly, bi-weekly, or monthly repayment plan chosen upfront | Usually fixed payments over a set term* | Minimum monthly payments, with added fees if a balance carries |
| Revolves? | Yes, available credit returns as you repay | No, it is a one-time loan* | Yes, available credit returns as you pay |
| Best for | Ingredients, packaging, barrels, and licensing costs | Purchasing a fermenter, still, or canning line outright | Smaller purchases and everyday expenses |
A term loan* may suit purchasing a major piece of shop equipment outright. A business credit card may work for smaller day-to-day expenses. A line of credit can support the recurring costs of running a cabinetry or millwork shop — materials, payroll, and equipment — while final payments are still pending.
What breweries and distilleries can use a line of credit for
- Grain, hops, and base spirits purchases
- Barrel and aging program costs
- Cans, bottles, and label runs
- Licensing renewals and excise tax payments
- Seasonal production ramp-up
- Equipment maintenance and repairs
- Production and cellar payroll
- Facility and cold storage costs
Draw funds when the business needs them. Repay on the weekly plan you choose upfront. Keep your treasure chest available as you repay.
Financing for craft breweries
Financing for craft breweries can help cover grain, hops, and packaging costs before a batch is ready to sell. Brewing on a production schedule means paying for ingredients well ahead of taproom or distribution revenue. A line of credit can help bridge that gap.
Financing for distilleries and barrel-aging programs
Financing for distilleries can help cover base spirits, new barrels, and extended aging costs. Cash can sit tied up in a barrel for years before a bottle ever ships. A line of credit can help fund that aging period without slowing new production.
Financing for packaging and canning runs
Financing for packaging and canning runs can help cover cans, bottles, and label costs ordered in bulk ahead of a release. A line of credit can help a producer stay stocked for the next release without delaying it.
Financing for licensing and excise tax costs
Financing for licensing and excise tax costs can help when federal or state fees come due on their own schedule. With Loot, you can draw for the expense, see the total repayment before confirming, and pay it down early if sales come in sooner.
Financing for seasonal beverage production
Financing for seasonal beverage production can help fund a bigger ingredient buy and extra packaging ahead of a holiday or summer release. A line of credit can help a producer scale up a seasonal run without straining the rest of the operation.
Financing for growing craft beverage producers
Financing for growing craft beverage producers can help fund new fermentation tanks, a bigger barrel program, or additional production staff needed to meet demand. A line of credit can give a growing producer the working capital to keep up with orders.
Brewery & distillery financing FAQs
Loot has no minimum FICO score requirement. Underwriting looks at real business cash flow, not just a credit score. Your business still needs 1+ year in business and $200K+ in annual revenue to qualify.
Breweries and distilleries can get a decision in minutes, and same-day approval is standard. Once approved, same-day funding is available for a $49 transfer fee.
No. Checking eligibility with Loot is a soft pull. It does not impact your credit score, approved or not. You can review your options before deciding whether to draw from the line.
Yes. Breweries and distilleries can use a Loot line of credit for grain, hops, base spirits, barrels, packaging, licensing costs, and other business expenses. You see the total cost before confirming and only pay when you draw.
Yes. A revolving line of credit can help fund new barrels and extended aging periods, so cash tied up in a barrel program doesn't hold back the next batch.
Yes. A line of credit can help fund the bigger ingredient buy, packaging run, and extra production time a seasonal or holiday release often requires, months before that release generates revenue.
No. Equipment financing is usually tied to a specific piece of equipment as collateral. A Loot line of credit is unsecured working capital you can use for ingredients, barrels, packaging, licensing, or any other business need.
Apply for brewery and distillery financing today
If you're buying grain and hops months before a batch sells, funding a barrel-aging program, or covering licensing and excise tax bills, a line of credit can give your production business more room to move.
Get $5,000 to $100,000. Apply in minutes with a soft pull that will not impact your credit score. If approved, you can draw what you need, see the total cost before confirming, and keep your treasure chest available as you repay.
No collateralNo hidden fees Same-day funding for $49