Funding from $5,000 to $3,000,000 for established restaurants, approved same day, funded in 24 hours.
 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.
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.
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.
Â
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.
