Bar Business Loans in Bullhead City, AZ: Tap Equipment, Movable Furnishings and Liquor Stock

Illustration only, invented figures: a bar installs a 12-tap draft system for $16,800, back-bar coolers for $7,900 and a $9,400 sound system: $34,100 together. With equipment financing, the 60-month schedule at 11.5% gives a $749.95 monthly installment.

Draft lines, coolers, ice machines and glass washers have serial numbers and resale value. A sound system does too, though a partner may set a shorter term on electronics. Fixed bar tops, flooring and lighting work are excluded; movable modular bars, furniture and display equipment belong on the supplier quote. For a Bullhead City, AZ bar comparing used coolers, the age, compressor condition and cost of replacement doors belong beside the asking price. Those details show what to compare between a used cooler and a new-equipment quote.

The bars weighing these costs in Mohave County, AZ are a small group: County Business Patterns counted 28 drinking places (alcoholic beverages) with paid employees in 2023 (NAICS 7224), with $6.3 million in annual payroll. Just 7 of those 28 drinking places ran with fewer than five employees.

Illustration only, invented figures: $38,000 of modular bar furnishings and dining equipment and $14,500 of patio seating, portable shade and heaters, $52,500 in all, over 72 months at 11%: $999.29 a month. A term loan or equipment financing can cover the movable package; fixed building and patio work are excluded.

Any fixed work on the building or site is outside this request. The funding request can list the movable furniture and equipment, their supplier quotes and the expected delivery dates.

Bars that close during the work should show how payroll and rent are covered for those weeks.

Movable furniture and equipment can arrive in phases while the bar stays open. Each phase can have its own supplier quote and delivery date; fixed bar-top and site work are excluded.

A pub or taproom carries more stock than its size suggests: kegs, bottled beer, spirits and the kitchen's food. Inventory financing can carry a large stock purchase, though some partners do not finance alcohol inventory, so ask before the order is placed.

A back bar built in place is excluded; a modular back bar with coolers and shelving is movable equipment. The quote should identify each item.

Owner-operated bars appear in a separate count: Nonemployer Statistics recorded 14 drinking places with no paid employees in the county for 2024. A bar across the state line in Laughlin, NV sits in Clark County, NV and is outside both Mohave County figures.

Illustration only, invented figures: a buyer agrees to $240,000 for an operating bar, putting in $48,000 (20%), with a $24,000 seller note (10%) and a term loan of $168,000 over 84 months at an annual rate of 10.75%: $2,854.53 a month for the loan.

• Three years of the seller's tax returns, sales reports and bank statements.
• An equipment list with the tap system, coolers, ice machines and furniture, and their ages.
• The bar's lease: years left on it and the landlord's terms for assigning it to a buyer.
• The liquor stock on hand at closing, counted and priced.
• How the liquor license moves to the buyer, settled with an attorney before closing.

A partner reads the license question closely, because a bar without its license is a different business.

A walk-in cooler is a long-lived machine and finances like one. An invented $14,200 walk-in financed over 48 months at 11.25% has a $368.73 monthly payment.

Weekend staffing is payroll, not equipment. Illustration only, invented figures: a bar adds $1,850 of weekend shifts each week for a new music night before it knows how the night will sell. A merchant cash advance, collected from card sales, or a credit line can carry that test; a fixed loan suits it less, because the cost may stop if the night does not work.

Restaurants and cafes have their own pages: restaurants and cafes and coffee shops. Every trade is listed on the industries page.