Nightlife Venue Acquisition Financing: Bars, Clubs, Lounges

Nightlife Venue Acquisition Financing | Bars, Clubs, Lounges

Nightlife Venue Acquisition Financing

We structure and underwrite funding for nightlife venue acquisitions. Senior secured loans, mezzanine, seller notes, and equipment financing, packaged with clear covenants and a tight closing plan. For bars, clubs, lounges, and late night F&B groups acquiring single sites or portfolios. Full KYC, AML, and sanctions screening on every mandate.

What We Finance

Asset or Share Purchases
Single-venue buys, portfolio roll-ups, distress takeovers, and management buyouts with transition support.
Real Estate and Leaseholds
Fee simple acquisitions, leasehold assignments, key money, and capex for refits and sound compliance.
Equipment and Fit-Out
FF&E, audio and lighting, kitchen upgrades, POS, and security systems funded alongside the buy.

Capital Stack We Arrange

Senior Secured Debt
First lien on assets and cash flows. Real estate mortgage where applicable. DSCR-based sizing.
Mezzanine
Second-lien or unsecured with intercreditor controls. Used to bridge equity gaps at closing.
Seller Note
Deferred consideration tied to performance. Often interest-only with earn-out triggers.
Equipment Finance
Leases or term lines on audio, lighting, kitchen, and furniture to preserve opening liquidity.

What Improves Approval

Earnings Quality
Trailing EBITDA, clean cash controls, POS reports, tax compliance, and verifiable revenue mix.
Location and License
Prime footfall, stable lease, landlord consent, liquor and late licenses in good standing.
Management Track Record
Operator history, staffing plan, security protocols, neighbor relations, and incident logs.

Typical Terms

  • Senior leverage. Up to 3.0x to 3.5x EBITDA when quality is strong. Real estate backed deals can stretch higher.
  • LTV. 55 to 70 percent against appraised real estate. Lower on leasehold-only transactions.
  • Pricing. Senior floating with margin set by DSCR and collateral. Mezzanine priced for risk with warrants or PIK as needed.
  • Tenor. 3 to 7 years senior. Mezzanine 3 to 5 years. Seller notes 2 to 4 years with step-downs.
  • Covenants. Minimum DSCR, liquidity floor, capex plan, event reporting, and quarterly operational KPIs.

Process

1

Screen and Structure

We assess earnings, license status, lease terms, collateral, and closing timeline. We map the capital stack and covenant pack.

2

Underwrite and Term Sheet

We price with lenders and private credit funds, align intercreditor terms, and issue a term sheet with conditions precedent.

3

Documentation and Close

We finalize loan agreements, security, assignments, and landlord consents. Funds flow and post-close reporting are set.

What To Send For Pricing

Financials
Trailing 24 months P&L, balance sheet, POS summaries, bank statements, and tax filings.
Premises and Licenses
Lease, landlord details, permitted hours, liquor license, capacity, and noise plan.
Transaction Pack
LOI or SPA draft, purchase price, sources and uses, capex plan, and management resumes.

Request Your Acquisition Term Sheet

Share the LOI, trailing EBITDA, lease terms, license status, and your target closing date. We will revert with lender routes, pricing, and a checklist.

Start Your Funding Mandate

Financely is an arranger and underwriter. We are not a direct lender. Engagements are best efforts and subject to due diligence, KYC and AML, sanctions screening, and approval by lending partners. Nothing here is a commitment to lend or to buy securities.

Frequently Asked Questions

How much equity do I need to buy a nightclub or bar?
Plan for 20 to 35 percent of total uses from sponsor equity and seller paper. Strong real estate or EBITDA can reduce the cash ask.
Can I finance key money and refurbishment at closing?
Yes, when cash flow supports it. We ring-fence capex with a draw schedule and verify quotes and permits before funding.
Will lenders accept revenue seasonality common in nightlife?
Yes, with monthly DSCR testing that allows for seasonality, a working capital buffer, and clear off-season staffing plans.
Can a seller note count as equity?
Often partially. We negotiate intercreditor terms and a cap on total seller paper so senior lenders stay comfortable.
Do you fund acquisitions with pending license transfers?
Yes, subject to conditional close with escrow controls or a delayed draw. Legal opinions and regulator timelines are required.
How fast can we close a nightlife acquisition?
Four to eight weeks after a clean file and landlord consent. Add time for license transfers, planning approvals, or major refits.

Get Started With Us

Submit Your Deal & Receive a Proposal Within 1-3 Working Days

Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.


All submissions are promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.

Express Application Submit Your Deal
Request a Proposal
Request a Proposal / Submit a Deal

Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.

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Once we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.

Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.

Still Have Questions? Schedule a Consultation

If you still have questions after visiting our FAQ and Procedure pages, we invite you to book a paid consultation for personalized guidance. A $250 USD fee applies per session.