Call (406) 518-4512 or use the request form; funding partners decide whether to offer a term loan, equipment financing, inventory financing or a card-sales advance.
An invented bar purchase with a down payment, a walk-in cooler unit and weekend staffing, a glass washer with a POS kit, keg deposits for an event night, and the records a partner may read: five bar costs with invented figures.
At a glance
- Drinking places (alcoholic beverages), Flathead County, MT
46 employer establishments (CBP 2023)
- Paid employees at those bars
503 (CBP 2023)
- Drinking places with a ZIP 59901 address
14 (ZBP 2023)
- Annual payroll, drinking places, Flathead County, MT
$13.3 million (CBP 2023)
Business loan to buy a bar in Flathead County, MT: the price, the stock and the down payment
A buyer taking over a running bar pays for the business as a whole: its equipment, its stock on hand and its name. A partner that considers a purchase request may read the seller's tax returns, the last two years of sales and the lease that the buyer would take over.
Illustration only, invented figures: an asking price of $286,400 with 20% down means an invented down payment of $57,280 and $229,120 financed. Over 120 months at 10.37% a year, the invented purchase loan runs $3,074.98 a month and $368,997.60 across the term.
The stock on the shelves may be part of the price; in this invented case the seller counts $18,650 of it. A buyer may set that figure apart in the offer so the partner can see what is equipment, what is stock and what is the business name.
Bar equipment financing for Flathead County, MT: walk-in coolers and weekend staffing
A walk-in cooler box and its condensing unit are equipment, and a partner may finance them as such. Setting the box on the floor, running the refrigeration lines and wiring the unit are property work outside this site.
Illustration only, invented figures: a walk-in cooler unit at $16,745 over 60 months at 10.58% a year costs $360.58 a month and $21,634.80 in all. The invented cooler holds kegs and cases, so the bar places fewer orders.
Weekend staffing is a different cost. If the bar adds a door person and a barback for six weekends at $1,410 each, that invented $8,460 is payroll, and a credit line or a short working capital loan fits it rather than equipment financing.
Keeping the two costs apart in the request helps. The cooler is a machine the partner can file a lien on, and its payment runs for years; the weekend shifts are gone once they are worked, so their cost belongs on something that is repaid within weeks.
Small business loan for a bar in Flathead County, MT: a glass washer and a POS kit
A glass washer behind the bar and a second POS terminal at the end of it shorten the wait for a drink on a full night. Both have serial numbers, both last for years, and both can sit on one request.
Illustration only, invented figures: an undercounter glass washer at $6,412 and a POS kit at $3,218 total $9,630. At 12.24% a year over 24 months, the invented pair costs $454.40 a month and $10,905.60 in total.
The washer needs a water line and a drain; that plumbing belongs to the building and stays outside the request.
Pub business loans for Flathead County, MT: keg deposits and event-night payroll
A pub that books a large event night orders extra kegs, and a distributor may charge a deposit per keg that comes back only when the empties go back. Extra staff for the night are paid on the next payroll.
| Cost | Invented amount |
|---|---|
| Keg deposits | 64 kegs at $30 = $1,920 |
| Event-night payroll | $1,385 |
| Total draw | $3,305 |
| Interest for 21 days at 13.44% a year | $25.56 |
In this invented case the draw is repaid when the deposits come back and the night's card sales settle, three weeks later. A merchant cash advance is another way some bars pay for this kind of cost, and the cost there comes from a factor rate rather than days outstanding.
Draft towers, coolers and stock: what a Kalispell, MT bar brings to a funding partner
The records depend on the cost. A partner reviewing a bar's request may ask for some of the following:
- Vendor quotes with model numbers for draft towers, coolers or a glass washer
- Three to six months of bank statements, plus the card-processor reports that match them
- The current lease, with the term left on it
- For a purchase, the seller's sales history and the asset list
Payroll is a real line for bars here: Flathead County, MT drinking places had 503 paid employees in the March 2023 pay period, by County Business Patterns. A partner may read the payroll report alongside the card statements to see how staffing tracks sales.
Stock for a new tap list or a spirits order may fit inventory financing when the bar wants the stock itself as collateral. Other trades are covered on the industries page, and the Kalispell, MT page lists the ZIP 59901 business counts.
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