Two things favor ales over lagers for cash-tight operations. First, brewing lagers takes more equipment in the form of more or larger tanks to age the beer in. In the same size system, you can turn ales over in two weeks, and lagers in 5-6 weeks, traditionally. Second is cash flow. Say you buy grain on 30 days net. If you brew with it right away, ferment the beer for two weeks, and then sell all of that beer within two weeks of packaging, then essentially you have been paid for the grain by the time that you have to pay the grain vendor. If you do lagers, and don't get paid for another 3-4 weeks, then you have to have enough working capital to pay the vendor before you get paid, or 3-4 weeks of working capital in the bank that you can't do anything with as far as investing in new equipment or paying down your debt. If you are borrowing that money for your working capital, then you are also paying interest on that money.