Funding from $5,000 to $3,000,000 for established restaurants, approved same day, funded in 24 hours.
Restaurant Financing for established operators beyond equipment, restaurant financing covers the working capital needs that keep an operation running and growing payroll during slow seasons, marketing for a new location, liquor license fees, lease deposits, and POS system upgrades. Platform Funding offers restaurant financing from $5K to $3M with same-day approval. We require 6 months in operation and $12,500/month in verifiable revenue, no collateral, no equity given up.
Equipment Financing
Restaurant equipment financing covers commercial kitchen equipment, ovens, ranges, refrigeration, POS systems, dishwashers, ventilation, and furniture.
The equipment serves as collateral, so no additional business assets are required for approval.
Terms typically run from 24 to 60 months with fixed monthly payments, making budgeting predictable regardless of season.
Both new and used equipment qualify, purchase outright or structure it as a lease with lower monthly payments and an option to upgrade at the end of the term.
Business Loans
A restaurant business loan delivers a fixed lump sum deposited directly into your account.
Use it for equipment purchases, kitchen renovations, inventory, payroll, or any operational need, repaid on a fixed schedule from 3 to 24 months.
There are no restrictions on how you spend the funds, giving you full control over where the capital goes.
Approval is based on your monthly revenue, not collateral, most established restaurants receive a decision within hours.
Revenue-Based Financing
Revenue-based financing advances capital against your restaurant’s future sales.
Repayments flex with your monthly revenue, well-suited for restaurants with seasonal swings or unpredictable cash flow.
During slower months, your repayment amount adjusts down automatically, you’re never locked into a fixed payment your revenue can’t support.
It’s a common choice for restaurants with strong weekend or holiday volume that need working capital to carry through quieter periods.
Lines of Credit
A restaurant line of credit gives you a revolving pool of capital to draw from when you need it.
You only pay interest on what you draw, making it the most flexible option for bridging cash flow between peak periods.
Once you repay what you’ve drawn, the full credit line is available again, no need to reapply each time.
It’s ideal for covering supplier invoices, unexpected equipment repairs, or payroll shortfalls without committing to a lump sum loan.
Platform Funding provides flexible restaurant equipment financing for equipment purchased from any supplier, not just preferred vendors or in-house catalogs.
Finance commercial ovens, walk-in coolers, freezers, grills, ranges, dishwashers, POS systems, ventilation systems, and restaurant furniture from any manufacturer or dealer you choose.
This is a key difference from equipment retailers offering vendor-locked financing, you’re not limited to one brand or one store’s inventory.
Platform Funding has no vendor restrictions. If your restaurant needs it, we can finance it.
Platform Funding provides food equipment loans for restaurants, food trucks, catering companies, commissary kitchens, ghost kitchens, and any business that prepares food commercially.
“Food equipment” covers more than a restaurant kitchen. If your operation runs on commercial cooking, refrigeration, prep, or serving equipment, that equipment qualifies for financing here.
Most food businesses share the same core challenge: the equipment required to operate costs tens of thousands of dollars upfront, and replacing or upgrading a single piece can strain three to six months of cash flow at once. Food equipment loans spread that cost across a predictable term so capital stays available for payroll, inventory, and operations.
Platform Funding finances food equipment from any vendor, any brand, new or used, for any type of food business with at least six months of operating history and $12,500 in monthly revenue.
Catering companies and commissary kitchen operators run commercial food businesses that need the same equipment as restaurants but often get left out of restaurant-specific financing programs.
Platform Funding finances food equipment for any commercial food operation, including:
Catering companies:
Catering businesses depend on high-volume prep equipment, transport, and serving infrastructure. Common catering equipment Platform Funding finances includes commercial mixers, sheet pan racks, blast chillers, chafing dish systems, holding cabinets, and refrigerated transport containers.
Commissary kitchens:
Commissary kitchen operators building or expanding shared kitchen facilities need commercial-grade equipment at scale. Financing for commissary kitchens covers commercial ovens, ranges, prep tables, walk-in refrigeration, ventilation systems, and industrial dishwashers.
Ghost kitchens:
Ghost kitchen operators run delivery-only food businesses from shared or private kitchen spaces. Equipment needs overlap with traditional restaurants but the business model is different. Platform Funding finances ghost kitchen equipment the same way it finances any food business: based on your revenue, not your storefront.
All three business types qualify under the same eligibility requirements: six months in business, $12,500 in monthly revenue, three months of bank statements. If your business prepares food commercially, the equipment that makes that possible can be financed here.
Restaurant equipment financing works by using the equipment itself as collateral against the loan, which means you don’t need to pledge other business assets to secure funding.
The process with Platform Funding runs in three steps: you apply online with three months of bank statements, a funding specialist reviews your revenue and time in business (not your credit score), and you receive an offer with rate, term, and monthly payment disclosed upfront. Once approved, funds are deposited directly to your account, typically within 24 hours.
You own the equipment from day one. Monthly payments are fixed for the duration of the term, typically 24 to 60 months, so you can budget around a consistent number regardless of what your kitchen’s weekly revenue looks like. At the end of the term, the equipment is fully paid off with no balloon payment or buyout required.
If you prefer lower monthly payments and the flexibility to upgrade, Platform Funding also structures restaurant equipment as a lease, same application process, different payment and ownership structure at the end.
One of the first questions food business owners ask before applying is: how much should I borrow? The answer depends on which equipment you need. Below are typical market ranges for common commercial food equipment to help you build a realistic funding request.
Equipment | Typical Cost Range |
|---|---|
Commercial oven (convection, deck, or combi) | $3,000 to $30,000 |
Walk-in cooler | $5,000 to $20,000 |
Walk-in freezer | $6,000 to $25,000 |
Commercial fryer (countertop to floor model) | $1,000 to $8,000 |
Industrial dishwasher | $2,000 to $15,000 |
Ventilation hood system | $2,000 to $12,000 |
Commercial range or grill | $2,500 to $20,000 |
POS system | $1,000 to $10,000 |
Commercial mixer | $500 to $8,000 |
Blast chiller | $3,000 to $15,000 |
Commercial refrigerator (reach-in) | $1,500 to $8,000 |
Food truck wrap and build-out | $10,000 to $75,000 |
These ranges reflect new and used equipment. Used commercial kitchen equipment often carries 40 to 60 percent off new pricing and qualifies for the same financing terms.
Platform Funding finances from $5,000 to $3,000,000, which covers single equipment purchases as well as full kitchen build-outs or multi-location equipment upgrades. A funding specialist can help you structure the loan amount around your actual equipment list.
Food trucks operate on different equipment constraints than brick-and-mortar kitchens, and their financing options often get treated the same way, which creates a problem.
A food truck kitchen has to fit inside a vehicle. That means compact commercial equipment, generators, propane systems, serving windows, and custom fabrication that traditional lenders often decline to finance because the equipment moves.
Platform Funding finances food truck equipment regardless of whether it is installed in a vehicle or operated from a trailer. The equipment serves as collateral, and mobility does not disqualify it.
Common food truck equipment Platform Funding finances:
Food truck equipment loans through Platform Funding follow the same process as any other financing: three months of bank statements, six months in business, $12,500 in monthly revenue. Same-day approval, funded in 24 hours.
If you are building out a new truck or replacing worn equipment on an existing one, a funding specialist can help you structure the loan around your full build list or a single piece.
Many restaurant owners are offered merchant cash advances (MCAs) that pull repayments from daily credit card receipts. Here is how that compares to equipment financing from Platform Funding.
| Â | Platform Funding | Merchant Cash Advance |
|---|---|---|
Repayment | Fixed schedule (daily, weekly, or monthly) | Variable — percentage of daily card sales |
Predictability | Consistent payments you can plan around | Payments fluctuate with revenue |
Cost transparency | Factor rate disclosed upfront | Often higher effective APR than initially stated |
Term length | 3 to 24 months | Typically 6–12 months |
Collateral | Not required for business loans | Not required |
Platform Funding offers fixed-payment restaurant financing, no daily revenue skimming, no surprise fluctuations.
If you have been offered an MCA or are comparing lenders, ask us to walk through the cost difference. A funding specialist can show you the full repayment picture side by side.
Up to $3M in financing — more than most alternative lenders offer. ARF Financial caps at $1M, Credibly at $400K, Greenbox Capital at $500K.
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Funded in 24 hours — from application to deposit in one business day.
No collateral required — for business loans and lines of credit.
Bad credit OK — approval based on revenue and cash flow, not score.
Finance any equipment vendor — no manufacturer or dealer restrictions
4.8 stars on Trustpilot — 570+ verified reviews from business owners across the country.
Restaurant Funding FAQs
We finance established full-service restaurants, quick-service establishments, cafes, bars, food trucks, and catering businesses. We require at least 6 months in operation and $12,500 in monthly revenue.
Platform Funding provides restaurant equipment financing for commercial ovens, ranges, walk-in coolers, freezers, dishwashers, POS systems, ventilation systems, refrigeration units, and restaurant furniture from any vendor.
Yes. Both new and used commercial restaurant equipment qualify for financing. The equipment serves as collateral regardless of whether it is new or pre-owned.
No. We evaluate your monthly revenue and cash flow, not just your credit score. Many restaurant owners with past credit challenges qualify for equipment financing and business loans.
Start your business loan application today.
Rates and terms depend on your revenue, time in business, and the financing type. Platform Funding offers terms from 3 to 24 months with factor rates disclosed upfront — a funding specialist will walk you through your full offer before you commit to anything.
Restaurant equipment financing from Platform Funding is repaid on a fixed schedule — predictable payments you can plan around. Merchant cash advances pull a percentage of your daily card sales, which fluctuates with your revenue and often carries a higher effective cost.
Platform Funding offers restaurant financing from $5,000 to $3,000,000. The amount is based on your monthly revenue and time in business.
Yes, if your existing restaurant meets our eligibility requirements. Financing can cover buildout costs, equipment, inventory, and working capital for the new location.
Yes. Platform Funding offers both equipment financing (ownership at end of term) and equipment leasing (lower monthly payments, option to upgrade). Your funding specialist will recommend the right structure for your situation.
Let’s start getting you funded. Use the link below or call (866) 473-1455.
Our process is simple, fast, and secure.
