Brewery Equipment Finance

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  • Move from cask to cans
  • Sell direct, sell online
  • Invest in your brand
  • Think sustainability
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  • Both a lender and broker
  • Brewing industry finance since 2007
  • Expert personal service
From filtration to canning lines and marketing

Brewery & Distillery Equipment Finance

Brewers are suffering acute pressures from a combination of supply limitations and rising energy costs. Spurred by a growing interest in craft brewing and craft distilling from consumers, the industry has become increasingly exciting but competitive in recent years. The upshot is that many independents are facing a rocky couple of years ahead. So, how can we help? At Portman Finance Group, we are pleased to offer brewery finance to help your business thrive.

How does it work?

Streamlined Equipment Financing for Breweries & Distilleries

We know that finance can sometimes be confusing and stressful, but what we do is simple.

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1. Get started in 1 minute.

Enquire without affecting your credit score.

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2. Understanding your business.

A dedicated account manager will discuss your needs and collect documentation.

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3. Our experts do the leg-work.

We find the right deals, complete applications on your behalf and get you a no obligation quote.

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4. Your no-fuss finance is funded.

If accepted, your assets will be bought and delivered or the finance released to your account.

Enquire today
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Short Term Finance for your Brewery Business

Additional Government assistance has been promised, but breweries are not eligible for the 50% discount on business rates enjoyed by our hospitality partners. At this point, the Additional Relief Fund money has yet to be released by local authorities. Assuming that situation is resolved, funds will take time to be allocated and may not be as much as each business needs. Talk to Portman today about a short-term loan or a brewery finance solution that will help you through this uncertain period with confidence.

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Brewery Equipment Financing

The SIBA Craft Beer Report shows that the volume of members’ beer going into cans has more than tripled since 2019. In fact, cask volumes were decimated in 2020 and 2021 and are unlikely to recover in the short to medium term. Kegs and cans are clearly the formats for the future, but that’s going to take additional investment at a time when funds are in short supply. Portman takes a flexible approach to brewery equipment leasing, helping you afford critical machinery such as canning lines, cooling systems, keg washers and fillers.

Our team of experts is ready to help

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Grow your Online Presence with Brewery Finance

A third of SIBA members have launched an online shop for the first time during the pandemic. There was also a growth in the number of brewers who set up their own bricks and mortar shops to sell direct. Brewery finance from Portman can be used to invest in your own diversification to direct-selling, whether in a shop that you build or acquire, or with an online solution.

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Invest in your Brewery’s Brand

SIBA’s report found that consumer thirst for craft beer in their local pub was higher than ever, with 75% of beer drinkers surveyed in 2022 saying they thought it was important to have a range of options from small breweries. Beer-savvy drinkers have always valued provenance, but this has only increased during the pandemic, particularly among female consumers. Drinkers are increasingly seeking out artisan producers and expect those products to be available at retail. Drinkers will be attracted to authentic and distinctive brands with strong ‘local’ provenance, niche, innovative or quality product claims, and of course, strong delivery on satisfaction. Term loans from Portman can be used to fund professional brand development and packaging design to help your products stand out loud and proud.

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Invest in Sustainability and Ethics

Consumers of all kinds of products are increasingly sensitive to the sustainability and ethical claims of manufacturers. This is no less true in the brewing industry. If you are considering a migrating from casks to kegs and cans, now could also be an opportunity to look at how you can deliver more sustainability in your business and support wider ethical commitments. Brewery cashflow loans from Portman can be used to fund any area of your business, including costs related to switching supply chains, ingredients and materials.

Brewery Business Finance Options from Portman Finance Group

The brewery sector has had a proper bruising from the pandemic period. However, for those that can make it through the aftermath, there is a growing opportunity for brewers and distillers who can give discerning customers something new, distinctive and sustainable. There is also an opportunity on brewers’ doorsteps to sell direct in person or online.

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Hire Purchase

Take advantage of hire purchase options for your brewery finance and pay the VAT and deposit up-front for necessary equipment. This is followed by fixed monthly payments, affected by whether you pay off the entire loan over the term or choose a final balloon payment. At the end of the agreement, there is the option to purchase for a nominal fee, transferring ownership of the asset to the customer.

Hire purchase is well-suited for brewery finance situations where equipment ownership is wanted at the end of the term. Especially in the event of assets with a significant usable lifespan, a high residual value and will not need to be upgraded.

Explore Hire Purchase
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Lease Finance

For acquiring hard or soft assets without the upfront costs associated with large purchases, lease finance is an excellent option for brewery finance. A lender purchases the item, and the business then leases it through fixed monthly payments over an agreed term.

Typically, asset finance is provided for highvalue ‘hard’ assets such as machinery, equipment or vehicles, but Portman also arranges asset finance for ‘soft’ assets such as IT, fitness, catering or vending equipment, as well as premises fit-outs, furniture or even air-conditioning. So, lease finance is an excellent option for all brewery finance needs, whether it’s to fit out a pub or acquire all new brewing equipment.

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Business Loans

Business loans for brewery finance allow you to borrow money and repay it in monthly instalments, with interest, over an agreed term. Business loans are a common way to help smooth out cashflow fluctuations and take opportunities where otherwise they could be missed due to a lack of working capital.

Business loans can be secured or unsecured. Portman typically provides unsecured loans, which can be more flexible and do not require collateral but are likely to require a personal guarantee. Secured loans are tied to an asset which the lender can claim ownership of if repayments are not made; these may be used in equipment refinance deals.

Explore Business Loans
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Start Up Loans

New brewery businesses commonly need an injection of finance to get them off the ground. Asset finance for new businesses allows you to focus on running your brewery and bringing in customers, confident that you have the equipment, vehicle or stock you need without the large initial outlay.

Using finance for your brewery equipment means that you preserve the credit card or overdraft for contingency and operating expenses when the unexpected happens.

Explore Start Up Loans
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Equipment Refinance

If you recently bought high-value brewery equipment outright but would now prefer to have financed it, we can help with a sale-and-lease-back agreement. If the item is less than 3m old, give us a copy of the invoice, and we will calculate the current value. After a few checks and acceptance of the term and monthly repayments, we can give you the cash equivalent of the invoice to put back into the business. You’ll then make fixed monthly payments, including interest, whilst your asset earns you money.

If your brewery business owns highvalue assets that are not currently on finance, subject to a valuation, it is also possible to use them as security for a loan, with lenders offering a cash loan up to a % of the asset’s value.

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Recovery Loans

After the long-term effects of the pandemic, subsequent supply chain disruption and social distancing measures, recovery loads can help your brewery business get back on its feet. Businesses with turnovers up to £45m, including those who have previously benefited from the government’s CBILS, BBL or RLS, can apply.

Recovery Loans can be used for any legitimate business purpose or simply to provide cash flow. Rates are capped at 14.99%, and the government guarantees 70% of the outstanding balance, giving added security to lenders who can now consider finance for businesses that may have previously found it difficult to obtain.

Up to £2m can be borrowed on terms from 2 to 6 years. Your personal private residence cannot be taken as security.

Explore Recovery Loans

Successful Brewing businesses protect, invest and evolve.

Unlock your potential with Portman Finance Group

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