Can we finance the building work and decorating?

Asset finance is strictly for tangible equipment. However, we can arrange an unsecured business loan to cover the "soft costs" of building work, plumbing, electrics, and decorating required for the taproom fit-out.

Do we need a separate loan for every piece of equipment?

No. We can bundle multiple assets from different suppliers—such as the cellar cooling, the EPOS system, and the furniture—into a single asset finance agreement with one monthly payment.

What is a Merchant Cash Advance (MCA)?

An MCA is suitable for existing taprooms with card terminals. The lender advances a lump sum, which you repay via a small, agreed percentage of your daily card takings. When trade is busy, you repay faster; when it is quiet, your repayments drop.

Will lenders fund a taproom if we lease the building?

Yes. It is very common for breweries to lease their industrial units. Lenders will usually want to ensure that the remaining term on your property lease is longer than the term of the finance agreement.

Taproom Finance

Finance for taproom fit-outs & brewpubs

A taproom delivers your highest margin sales, but building an inviting hospitality space requires investment. We combine asset finance and business loans to fund your complete taproom fit-out.

Speak to an Adviser Breweries Hub

Speak with Arran or Graham

Mixed facilities

Funding options

1-5 years

Asset terms

150+

Lender panel

£0

Broker fees

Funding a successful taproom

Independent broker with an extensive panel of 150+ UK lenders. No upfront fees.

Complete Fit-out Finance

Taprooms involve both tangible assets (coolers, EPOS, furniture) and intangible costs (decorating, plumbing, lighting). We can structure a package using asset finance for the equipment and an unsecured loan for the renovation work.

Preserve Working Capital

Opening a taproom requires cash for initial inventory, marketing, and staff training. By financing the fit-out and equipment over 1 to 5 years, you retain your cash reserves to manage the launch phase.

Cellar & Bar Equipment Leasing

High-quality cellar cooling, draught systems, and bespoke bar counters are expensive. Asset finance allows you to install top-tier equipment that ensures pint quality, without the massive upfront capital hit.

Merchant Cash Advances

If you are already running a taproom and want to refurbish, a Merchant Cash Advance (MCA) allows you to borrow against your future card takings, with repayments flexing based on your seasonal revenue.

What we can fund for taprooms

Specialist finance options to match your requirements.

Bar counters & back-bar fit-outs

Cellar cooling & draught systems

Indoor & outdoor furniture

EPOS & ordering software

Commercial kitchen equipment

Glasswashers & ice machines

Lighting & sound systems

Toilet & washroom renovations

HVAC & air conditioning

Security systems & CCTV

Signage & branding

Marquees & outdoor heaters

Who you could speak to

Arran Turner

Managing Director

General commercial finance and how Sorbus works

Profile

Graham Nash

Commercial Finance Director

Business loans, cash flow and wider commercial funding

Profile

STEP 1
A conversation with a broker
You talk to a real Sorbus broker about the business, the purpose and what is affordable. No application at this stage.
STEP 2
Credit placement
If you choose to go further, we prepare the case and decide which lenders on our panel of 150+ are worth approaching.
STEP 3
Lender assessment
The lender, not Sorbus, underwrites and makes the credit decision. Approval is never guaranteed.
STEP 4
Documentation
If a lender offers terms and you accept, we help coordinate agreements and payout paperwork with you.

Every step after the first is optional. You can stop after the conversation. Sorbus is a broker, not a lender.

Client journey

Explore real client journeys

Read how real businesses approached a funding goal, what Sorbus arranged and what happened next.

Browse anonymised case studies

Enquire about Taproom Finance

Start with a conversation

Tell us a little about what you need and who you would like to speak to. No obligation, no credit check at this stage. We aim to respond within one business day, Monday to Friday, 9am to 5:30pm.

Your name *

Phone number *

Company name (optional)

New start-up (no company name yet)

Email address *

Who would you like to speak to? (optional)

Best time to talk (optional)

A preference, not an appointment. We pass it on where we can. We aim to respond within one business day, Monday to Friday, 9am to 5:30pm. This is an aim, not a guaranteed callback time.

Your requirements

I'd like to receive news, guides, and exclusive finance offers from Sorbus Finance by email. You can unsubscribe at any time.

We will use your details to respond to your enquiry. We may share information with our principal, lenders and service providers where necessary, or where required by law, as explained in our Privacy Policy. Marketing emails are optional and depend on your separate choice.

Prefer to call?

Speak directly to an adviser Monday–Friday, 9am–5:30pm.

01246 383500

Free call. No obligation.

Unique to Sorbus Finance

Optional: Business Finance Health Check

Before you approach lenders, understand your borrowing readiness with our free Business Finance Health Check, tailored for UK businesses.

Take the short Health Check

Free · No credit check · Not required before you talk

Want the full picture? The full fact-find is longer and also optional.

Email us anytime

hello@sorbusfinance.co.uk

Free tool

Know your lending position before you apply

The Business Finance Health Check scores your readiness to borrow, business resilience, and growth potential. Free, under 5 minutes, no obligation.

Run your free Health Check

Questions answered

Common queries about taproom finance.

Ready to pour your first pint?

Speak to our hospitality and manufacturing finance specialists to fund your taproom project.

01246 383500 Breweries Hub