Typical funding range
$15,000 – $300,000 — that's the band most bars and breweries in Texas fall into. Deals smaller than $10K are uncommon (the math rarely works for the funder). Deals over $250K typically require stronger profiles or collateral.
What funders look for
- Most funders require 12+ months operating
- Monthly revenue floor: $20,000
- Credit scores 550+ workable
- Alcohol licensing must be current — funders verify before approval; any pending violations narrow the funder pool
What to bring to the application
The faster you can ship these to a funder, the faster you close. Most underwriting decisions for bars and breweries in Texas happen in 2–4 hours once docs are complete.
- Last 3-6 months of business bank statements
- Voided business check
- Driver's license for the majority owner
- Industry-specific documentation (licensing, certifications) if applicable
The math
A typical bars and breweries deal in Texas lands at a factor rate between 1.25 and 1.42. On a $50,000 advance at 1.32, you'd repay $66,000 over 9–12 months — about $260–$305/day in ACH. Our factor rate calculator lets you plug in your own numbers.
Frequently asked questions
- Will a Texas bar MCA affect my alcohol license renewal?
- Indirectly. Most state ABC commissions don't directly review business debt, but MCA-driven operational stress that delays vendor payments or staff retention can affect renewals. Keep balances conservative.
- Should a craft brewery MCA or equipment-finance new tanks and brewhouse?
- Equipment financing every time. A $150K brewhouse expansion financed over 84 months at 9% APR is ~$2,400/mo. The same $150K as MCA at 1.30 factor over 12 months is $45,000 in fees (~48% APR-equivalent) and the daily ACH eats operating cash.
- Can a Texas bar with seasonal revenue (college town, beach town) qualify?
- Yes but the underwriting box narrows. Funders want to see 12+ months of statements covering at least one full season cycle. Provide a 1-page note explaining the seasonal pattern and whether you operate year-round or close in the off-season.