Capital for your food service operation — Commercial Kitchen Capital
Get funding to upgrade your kitchen or launch a food truck without tying up your cash flow.
Soft credit inquiry only. Applying does not affect your score.
- FFE financing
- Soft credit pull
- Section 179
- Sale-leaseback
- Equipment appraisal
- Personal guarantee
- Working capital
- Asset-backed loan
Commercial kitchen equipment financing for food service businesses
Financing options matched to your situation, in one place.
- New New oven and prep Acquire modern ovens, walk-ins, and ventilation systems for your kitchen.
- Used Used kitchen assets Save capital by financing pre-owned high-quality restaurant equipment.
- Startup Start-up launch capital Secure necessary gear for a new food service business launch.
- Repairs Kitchen repair upgrades Cover the costs of upgrading hood systems or refrigeration units quickly.
- $5K–$500K Funding amounts
- 24–48 hours Approval time
- 1 soft pull Credit impact
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Flexible repayment
- Terms structured to match your seasonal revenue fluctuations.
- No prepayment penalties on most equipment loans.
Asset-focused
- Financing relies on the equipment value rather than credit score.
- We help restaurants with varied financial histories.
Fast turnaround
- Funding happens in days, not months, to keep your kitchen running.
- Streamlined digital process eliminates paperwork stacks.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Insufficient credit history
Traditional banks reject new businesses without years of tax returns on file.
Specific equipment type
Big banks struggle to value specialized ovens or unique ventilation hoods.
Seasonal cash flow
Banks view seasonal revenue drops as a risk to monthly repayments.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Bakery owner
Financing a new deck oven and industrial mixer upgrade
Food truck operator
Installation of a new fryer battery and refrigeration unit
Catering startup
Complete kitchen outfitting for a new catering headquarters
Restaurant franchise
Replacing outdated hood systems and HVAC components
Managing your equipment life cycle
Proper maintenance extends the life of your commercial assets. Learn how to track depreciation and plan your next upgrade cycle effectively.