Daytona Beach, FL Bar Business Loans: Taproom Seating, POS and Movable Back-Bar Furnishings

A draft system is more than the taps on the wall. It runs from a walk-in or keg cooler through a trunk line chilled by a glycol power pack to the towers, faucets and drip trays at the bar, and each part has its own price. A glycol line that fails takes every tap with it, which is why the full system, not just the towers, belongs on the quote.

Illustration only, invented figures: a $26,500 draft system with a glycol chiller, a 12-faucet tower and a new keg cooler, financed on equipment financing for 48 months at an annual rate of 10.25%, has an installment of about $675. Over the term that is $32,414, including $5,914 of interest. The installation labor is often quoted with the system, and some equipment partners fund it as part of the package.

A small business loan for a bar's front of house pays for what guests sit on and pay through. Illustration only, invented figures: 40 taproom stools and chairs at $285 each and 3 POS terminals at $1,900 each come to $17,100. Spread over 36 months at an annual rate of 11.5%, the installment comes to about $564, with $3,200 in interest and $20,300 paid in total.

Payroll is the cost that equipment funding does not touch. Drinking places in Volusia County, FL paid $17.4 million to 903 employees in 2023 across 78 establishments (County Business Patterns, NAICS 7224), and CBP counts bartenders and servers on part-time shifts the same as full-time staff. A bar whose wages run ahead of its deposits for a few weeks has a working capital question.

Pub business loans cover three different jobs. Fixed renovation work is excluded; movable fixtures can be reviewed on a supplier quote. A bar purchase is a business acquisition, covered in the next section. A liquor license that comes with a purchase can carry its own price, and partners differ on whether they will count it toward a loan at all.

Whether a license can pass to a new owner, and on what conditions, is a legal question for the buyer's attorney and the state, not something this page settles. A request that involves a license should say whether the license is part of the sale price and whether the transfer has already been looked at.

A business loan to buy a bar pays for the business: the fixtures, the coolers, the sound system, the name and the lease rights. A term loan sized to the asset list and the bar's sales records is the usual structure, sometimes with a seller note for part of the price. If the building is part of the sale, that part is a commercial mortgage, and Marblepark Funding does not arrange mortgages or commercial real estate loans.

Before asking for funding, list what the price includes. Back-bar coolers, ice machines, a sound system and the TVs can be leased rather than owned, and a leased item does not transfer with the sale. Movable furnishings planned for after the purchase can be itemized separately on the supplier quote; fixed remodeling is excluded.

Bar fixtures and patio seating need different money. Movable shelving, freestanding lighting, mirrors and cabinetry can be itemized on a supplier quote. Fixed slabs, railings and shade structures are excluded. Patio tables, chairs, heaters and umbrellas are movable furniture and equipment for partner review.

Stock is the third kind. A new cocktail menu that needs a deeper back bar means a liquor and beer order paid before it sells, which inventory financing or a credit line can carry. Illustration only, invented figures: a $12,000 order that takes about 6 weeks to sell through is carried for those weeks and paid down from the sales. A bar with steady card sales can also look at a merchant cash advance, which a provider collects as a share of card deposits; it is not a loan.

35 of the county's 78 drinking places had fewer than five employees in 2023 (CBP). Separately, ZIP 32114, whose boundary differs from the Daytona Beach, FL city limits, held 5 drinking places with paid staff (ZBP 2023). Nonemployer Statistics counted 59 drinking places in the county with no paid employees in 2024. The Daytona Beach, FL page and the industries page carry restaurants and the other trades.