Financing

Financing

Liquor License Financing

Get the capital you need—fast.
Finance your liquor license purchase or rollout project with a lender who understands hospitality.

Partner Spotlight: Starbanco

For well over 20 years, Starbanco has provided commercial financing solutions to the hospitality industry nationwide. Their seasoned loan consultants help single‑unit operators, multi‑unit groups, and national brands access the right products quickly—so you can tackle growth projects or seasonal slowdowns with confidence.

Our Process

Who this is for

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New Venues

Bars, restaurants, and retailers acquiring a liquor license

Existing operators

Expanding locations or relocating (place‑to‑place)

Buyers

Pursuing double transfers (ownership + premises)

High Volume

Hotels, convenience stores, beer distributors, and nightclubs needing working capital

Financing

What you can finance

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Liquor license acquisition

Stand‑alone or within an asset purchase

Build‑out and renovations

Design, construction, signage, equipment install

Furniture, fixtures & equipment

Kitchen line, POS, refrigeration, tap system

Opening inventory & pre‑opening expenses

Working capital

To bridge cash flow during ramp‑up

Operational compliance

Manager’s cards, hours, signage, RAMP‑style training referrals, incident logs

Starbanco supports hospitality verticals including restaurants, bars, nightclubs, hotels, convenience stores, and beer distributors.

Our Clients

How financing works (step‑by‑step)

1.

Quick consult

Share your concept, location, and budget. We’ll confirm what’s financeable and outline next steps.
2.

Document pack

We assemble your application: entity docs, financials, license/APA terms, project budget, and timeline.
3.

Underwriting & options

Starbanco reviews your file and provides suitable options and structures based on your needs.
4.

Approval & closing

Finalize terms, sign, and coordinate disbursement to match license transfer and build‑out milestones.
5.

Fund & execute

Funds are released according to the project plan so you stay on schedule through inspections and opening.

Typical structures

  • Term financing for license purchases and build‑outs
  • Equipment financing for FF&E and back‑of‑house upgrades
  • Working‑capital solutions for payroll, inventory, and marketing during ramp‑up
  • Bridge options aligned to transfer timing and landlord/municipal milestones

Note: Specific products, amounts, and pricing depend on credit profile, project scope, and jurisdiction. Starbanco will present options that fit your scenario.

What lenders look for

  • Clear use of funds (license, build‑out, equipment, working capital)
  • Viable location & concept with realistic revenue assumptions
  • Transfer path and timeline (person‑to‑person / place‑to‑place / double)
  • Experience of ownership/management (hospitality or related)
  • Financials & liquidity to support down payment and early operations
  • Collateral/guarantees depending on product
Our Process

Documents & requirements checklist

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Business & owners

  • Entity documents, ownership table/cap table
  • Government IDs for principals
  • Resumes or brief bios

Premises

  • YTD P&L and balance sheet (if operating)
  • Prior year business and/or personal tax returns
  • Bank statements (3–6 months)
  • Sources & uses / project budget

Financial & tax

  • LOI or APA for license/asset purchase
  • Draft lease or lease amendment; landlord contact
  • Premises diagram/site plan; build‑out scope
  • Transfer type and target dates; required approvals

Public notice

  • Any existing license documents, safekeeping status (if applicable)
  • Municipal notice/hearing calendar (if known)

Timeline (typical)

  • Consult & intake: 1–3 business days
  • Document collection: 1–2 weeks (parallel with compliance prep)
  • Underwriting & offer: ~1–2 weeks after complete file
  • Closing & funding: coordinated with license transfer milestones and landlord approvals

Starbanco prioritizes speed—aiming to align funding with your build‑out and inspection schedule.

Financing

Why partner with Starbanco

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Hospitality experts

More than 20 years financing restaurants, bars, hotels, C‑stores, and distributors

Nationwide reach

Solutions for operators across the U.S.

All operator sizes

From single‑unit to multi‑unit and national brandsPlan review before construction; file alteration/extension approvals

Guidance + capital

Lending and seasoned advice to help maximize ROI

Financing

Frequently Asked Questions

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Yes—many operators finance the license alone or bundle it with build‑out and working capital.

Not necessarily. Funding can be staged to match milestones (e.g., lease execution, inspections, approvals).

Requirements vary by product and profile. Starbanco will outline the most suitable options once your file is reviewed.

Yes—funds can support place‑to‑place transfers, remodels, and equipment upgrades.

The goal is the opposite—align capital with your compliance schedule so you can open on time.

Get Started

Tell us about your project. We’ll coordinate a brief call and build your file so Starbanco can present options quickly.