Simple, Fast Financing for
Catering, Weddings & Event Services.
Secure working capital, equipment financing, and
lines of credit that match how your event cash flow really works:
deposits up front, heavy costs in the middle, payment at the end. No hype, no games —
just structures that don’t choke your season. Catering business loans in Georgia from Liberty Capital can be your solution.
✔ $5,000 – $5,000,000
✔ A–D Credit Considered
✔ No-cost Pre-Qualification
Built For The Teams Who Make Events Happen
If you move food, people, sound, light, décor, or security on event day, this program is for you.
Catering & Mobile Food
- On/off-site catering & banquet kitchens
- Food trucks, trailers, delivery vans
- Use: kitchen equipment, vehicles, inventory, payroll
Wedding Venues & Halls
- Barns, estates, hotels, rooftops, ballrooms
- Use: build-outs, furniture, décor, lighting, offseason capital
Planners & Producers
- Wedding / corporate planners, production managers
- Use: team, marketing, deposits, subs, software
Party & Event Rentals
- Tents, tables, linens, décor, staging, dance floors
- Use: inventory, storage, trucks, repairs
AV, DJ & Lighting
- Sound, lighting, LED walls, photo booths
- Use: gear refresh, expansion kits, vehicles
Security & Staffing
- Event security, ushers, crowd control
- Use: payroll float, uniforms, radios, vehicles, training
Core Qualifications (Typical)
- Approved event / catering / venue / AV / rental business
- 3–5+ deposits per month (business bank account)
- Avg monthly revenue: $15,000–$25,000+ (last 3–4 months)
- Time in business: typically 6–24+ months (program dependent)
- Credit scores from ~500+ considered
- Docs: 3–4 months bank statements, application, proof of ownership
- Funding amounts up to $5,000,000 per location (need & strength based)
- Terms: ~2–60 months depending on product (WC vs. equipment)
- Options for weekly/daily/ monthly structures
- Early payoff discounts on select programs
Exact terms depend on credit, revenue stability, equipment profile, and overall risk.
What You Need to Start
- Short, one-page application
- 3–4 months of business bank statements
At Funding (Fast-Track)
- Voided business check
- Driver’s license
- Proof of ownership / operating agreement
- For larger lines: YTD P&L, balance sheet, business tax returns
Broker Resources — Learn & Link
Use these to educate clients, answer questions fast, and move files to “approved.”
Equipment Leasing & Financing
Vendor & Dealer Financing
Business Loan Programs
Event Equipment Leasing & Finance
Stop burning cash on gear that can pay for itself over future bookings.
Use leasing / EFA to match payments to event revenue instead of wiping out reserves.
What We Finance
- Commercial ovens, ranges, fryers, warming cabinets, refrigeration
- Catering trucks, trailers, mobile kitchens & delivery vehicles
- Tents, structures, stages, dance floors, linens & décor inventory
- Tables, chairs, bars, dinnerware, glassware, flatware stock
- Professional audio, DJ systems, microphones, speakers, mixers
- Lighting rigs, truss, special effects, LED walls & projection
- Photo booths, 360 booths, kiosks, signage & displays
Why Leasing Beats Paying Cash
- Preserve cash for payroll, food cost, marketing & deposits
- Soft costs can be included: delivery, install, training, some buildout
- Potential tax advantages (Section 179 / depreciation where applicable)
- New & used equipment considered; vendor-direct and private-party options
- $10,000 to $5,000,000+ aggregated limits possible
If a “must-have” piece of equipment is sitting on your wish list because of price,
it’s probably costing more in lost bookings than the payment.
Working Capital That Matches Event Cycles
Event cash flow is lumpy: you stack up expenses weeks or months before the event,
then get paid in chunks. Working capital fills the gap so you don’t rob one client’s deposit
to deliver another client’s wedding.
Common Uses
- Upfront food & beverage purchases
- Staffing, overtime, and on-site labor
- Venue retainers & third-party vendor deposits
- Inventory build-out for peak season
- Marketing: bridal shows, styled shoots, SEO/PPC, referrals
- Vehicle repairs, fuel & logistics
- Bridge slow corporate / agency payment terms
No-Nonsense Structures
- Revenue-based and term-style options
- Typical terms: ~6–24 months for fast working capital
- Weekly / daily payments structured around seasonality when possible
- Lines, advances, and hybrid structures under one roof
- Clear disclosures, total payback explained—no sugar-coating
MCA Warning: We treat Merchant Cash Advances as last-resort tools.
If we can place you into a more sustainable lease, term loan, or hybrid facility, we will.
Pick The Right Tool — Not Just The Fastest Money
We match product to your margins and seasonality. Here’s the honest breakdown.
Working Capital Loan
- For: seasonal build-up, inventory, payroll, marketing
- 6–24 month terms, fixed payments
- Use when you have clear payback from booked events
Equipment Lease / EFA
- For: kitchen, tents, AV, photo booths, vehicles
- Terms matched to useful life
- Protects cash; keep gear payments separate from overhead
Business Line of Credit
- For: repeat short gaps & deposits
- Revolving, pay interest only on what you use
- Best for established operators with solid books
Invoice / Contract Funding
- For: slow-paying hotels, brands & venues
- Advance against approved contracts
- Bridges 30–90 day terms so payroll doesn’t suffer
Revenue-Based Options
- For: card-heavy businesses needing speed
- Daily/weekly debits tied to sales
- Use sparingly; expensive if stacked or mis-sized
Merchant Cash Advance (Last Resort)
- Very fast, factor-rate based
- We position this only when nothing else fits
- If it breaks your cash flow, we’ll say don’t take it
| Product | Speed | Best For | Reality Check |
|---|---|---|---|
| Working Capital Loan | ~24–72 hours | Booked seasons, clear ROI | Don’t borrow more than your real pipeline supports. |
| Equipment Lease / EFA | Few days | Hard assets (tents, AV, kitchen, trucks) | Right move vs burning cash you need for operations. |
| Line of Credit | Slower setup | Recurring short-term needs | Stricter, but cheapest flexibility if you qualify. |
| Invoice / Contract Funding | Days, once in place | Large corporate / hotel / festival A/R | Good tool if you understand total fees. |
| MCA / Revenue-Based | Very fast | Emergency only | Stacking = death spiral. Avoid unless we’ve ruled out better options. |
Finance The Equipment That Drives Your Events
Turn big-ticket gear into monthly tools instead of one-time gut punches to your cash.
Kitchen & Production
- Ovens, ranges, refrigeration, warmers, dishwashers
- Prep lines, holding cabinets, smallwares bundles
- Pay over time while events pay you back
Mobile & Logistics
- Food trucks, trailers, box trucks, vans
- Refrigerated delivery & support vehicles
- Expand routes without draining working capital
Tents, Décor & Staging
- Tents, stages, flooring, furniture, lounge sets
- More inventory = more rental revenue
AV, DJ, Photo & Lighting
- Sound systems, mixers, lighting rigs, LED walls
- Photo booths, 360 rigs, backdrops
- Finance against booked dates, not from reserves
Cash Flow Problems in Events: Hard Truth
If you can’t front costs for food, rentals, staff, and venues,
you will turn down profitable weddings, retreats, festivals, and corporate events.
Waiting until “after the season” to upgrade is how competitors pass you.
The goal isn’t “more debt.” The goal is the right structure:
equipment paying for itself and working capital aligned with booked revenue.
What Underwriters Want to See
- Consistent deposits (weddings, retainers, corporate contracts)
- Limited NSFs / overdrafts; stable balances
- Clear upcoming bookings / calendar / contracts
- Reasonable margins on packages & services
- Explanations for any prior credit bumps or shutdowns
Show us your pipeline and we’ll help align terms so payments sit under your average event gross profit.
3-Step Path To A Real Offer (No Nonsense)
No junk fees. No “approved for anything” lies. If it doesn’t work for your margins, we’ll tell you.
Quick online form or 1-page app. Tell us what you need and why.
We underwrite on real cash flow, not guesses or fairy tales.
We walk you through payment, term, total cost. If it’s off, we adjust or you walk.
Get a live estimate and connect directly with a Liberty Capital Group specialist.
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Complete this secure form and we’ll map out the best structure for your event business.
FAQ For Event Operators
Do I need perfect credit to qualify?
No. We look at the whole file — revenue trends, event schedule, bank activity. Good cash flow can offset bruised credit.
Can I combine equipment and working capital?
Yes, and it’s often smarter. Keep equipment in a fixed-term facility and working capital separate so one doesn’t crush the other.
How fast can I see a real offer?
Many complete packages see options in 24–72 hours. Larger or layered requests may take longer — we’ll tell you upfront.
Are you pushing MCAs first?
No. MCAs are a last-resort tool. If the effective cost doesn’t fit your margins, we’ll tell you not to take it. Long-term relationships beat quick hits.
Is there any cost or obligation to apply?
No. Pre-qualification is free and non-binding. If the terms don’t work, you walk. Simple.