Equipment Financing for Liquor Stores

What This Is

• A loan or lease used specifically to purchase business equipment
• The equipment itself typically serves as collateral, which can make approval easier than unsecured loans
• Predictable monthly payments make budgeting straightforward

Equipment Commonly Financed

• Walk-in coolers and refrigeration units
• Display refrigerators and wine storage units
• Point-of-sale (POS) systems
• Security cameras and alarm systems
• Shelving and display fixtures
• Signage

How It Works

• Lender finances the equipment purchase directly or reimburses the buyer
• Repayment is structured over the expected useful life of the equipment
• At end of term: ownership transfers to borrower (loan) or equipment is returned/renewed (lease)

Loan vs. Lease

	Equipment Loan	Equipment Lease
Ownership at end	Yes	No (unless buyout)
Monthly payments	Fixed	Fixed
Tax treatment	Depreciation	May deduct payments
Best for	Long-life equipment	Equipment that becomes outdated

What Lenders Evaluate

• Equipment type and estimated useful life
• Business revenue and time in operation
• Credit score
• Liquor license status (lenders want to confirm the business is legally operating)