Financing built for the businesses that run on a hot line.
From a first build-out to a fifth location, fund kitchen equipment, hood and refrigeration systems, payroll, and expansion without freezing your cash. See what your kitchen qualifies for in about 2 minutes.
About 2 minutes. Won't affect your credit score.
Financing arranged by our vetted partner network, powered by Big Think Capital.
From application to funded, before your next shift
One short form replaces a stack of applications. Here is the whole process.
- 01
Tell us about your kitchen
A few questions about your revenue, time in business, and what's on the line: a build-out, new equipment, or a cash-flow gap. No documents to start.
2 minutes - 02
Compare real offers
See actual rates and terms from our network of vetted capital partners who fund restaurants and food-service operators, side by side.
No credit impact - 03
Get funded
Pick the offer that fits and get funds in your account fast enough to cover a walk-in repair or a payroll run.
As fast as 24 hrs
The right product for the moment
From a dead walk-in on a Friday night to a second-location build-out, we match you to the structure that fits, not the other way around.
Kitchen Equipment Financing
Ranges, walk-ins, hood systems, and POS — financed.
- Amount
- $10K–$2M
- Rates
- from 8%
- Funding
- 1–3 business days
Restaurant Working Capital
Cover food cost, payroll, and slow weeks.
- Amount
- $10K–$1M
- Rates
- from 12%
- Funding
- As fast as 24 hours
Restaurant Line of Credit
Draw for inventory and repairs, pay for what you use.
- Amount
- $10K–$500K
- Rates
- from 10%
- Funding
- 1–2 business days
Kitchen Build-Out & Expansion Loans
A lump sum for a build-out or a new location.
- Amount
- $25K–$5M
- Rates
- from 9%
- Funding
- 2–5 business days
SBA Loans for Restaurants
Lowest rates, longest terms — for established operators.
- Amount
- $50K–$5M
- Rates
- from 7%
- Funding
- 2–6 weeks
Not sure which fits your kitchen?
Answer a few questions and we'll match you to the options your restaurant qualifies for.
Compare kitchen financing at a glance
Typical ranges across our lending network. Your actual offer depends on your kitchen, revenue, and credit profile.
| Financing type | Best for | Amount | Est. APR | Funding speed | |
|---|---|---|---|---|---|
| Kitchen Equipment Financing | Outfitting a new kitchen or replacing aging line equipment. | $10K – $2M | 8% – 30% | 1–3 business days | Details |
| Restaurant Working Capital | Smoothing thin margins, seasonality, and surprise repairs. | $10K – $1M | 12% – 45% | As fast as 24 hours | Details |
| Restaurant Line of Credit | Ongoing, unpredictable kitchen expenses across the year. | $10K – $500K | 10% – 36% | 1–2 business days | Details |
| Kitchen Build-Out & Expansion Loans | Build-outs, remodels, and opening new units. | $25K – $5M | 9% – 30% | 2–5 business days | Details |
| SBA Loans for Restaurants | Established restaurants seeking the lowest cost of capital. | $50K – $5M | 7% – 14% | 2–6 weeks | Details |
Ranges are representative and not an offer to lend. Representative APR ranges from 7% to 45% depending on product, business profile, and credit.
- $500M+
- Funded to small businesses
- 4.9/5
- Trustpilot rating
- 24 hrs
- Fastest time to funding
Our walk-in went down on a Friday during dinner rush. Every bank wanted two weeks of paperwork. Kitchens Finance had an offer the same afternoon and the new unit was running by Sunday brunch.
Operators come back, and they tell other operators why
Compressor failed on a Friday. We had working capital in the account before we closed for the night and a new unit installed by Monday. No other lender moved that fast.
Between hood systems, the line, and dining-room work, a build-out gets expensive fast. They structured a term loan around our actual cash flow instead of just our credit score.
We run three delivery-only brands out of one commissary. Every bank we talked to wanted a storefront. Kitchens Finance looked at our revenue and got us equipment financing in days.
Estimate your payment
Get a quick, representative idea of monthly cost before you apply.
Estimate your monthly payment
A representative estimate at 8%–30% APR. Actual rates and terms vary by business and product.
See what your kitchen qualifies for
Answer a few questions and get matched to your best-fit option. Zero upfront fees. Checking won't impact your credit.
- Your information is encrypted and never sold.
- No obligation, getting matched is free.
Matched through Big Think Capital's lending network.
Your questions, answered
Still deciding? Talk to a financing specialist, no obligation.
Call (307) 317-0801Will checking my options affect my credit score?
No. Seeing what your restaurant or kitchen qualifies for uses a soft inquiry that does not impact your personal or business credit score.
How fast can my restaurant get funded?
Working capital can fund in as fast as 24 hours — useful when a walk-in dies mid-service. Equipment and build-out term loans typically fund in 1–5 business days; SBA loans take longer in exchange for lower rates.
Do you finance ghost kitchens and delivery-only brands?
Yes. Ghost kitchens, dark kitchens, commissary operators, food trucks, and multi-brand delivery operations all qualify. We look at revenue and operating history, not your dining-room square footage.
Can I get financing for a kitchen build-out before I open?
Often, yes. Build-out and leasehold-improvement financing is available for operators with an existing track record or a strong concept; pre-revenue first-timers have fewer options but can still get matched.
Is this a consumer or personal loan?
No. Kitchens Finance is strictly business financing for restaurants, kitchens, and food-service companies — not consumer or personal loans.
Keep the line moving with a short form.
Compare real offers from our lending network in about two minutes. No upfront fees, and checking won't affect your credit.
Disclaimer
Kitchens Finance is a business financing marketplace powered by Big Think Capital, serving restaurants, ghost and dark kitchens, and food-service operators. We are not a direct lender and do not guarantee funding, approval, rates, or terms. All examples are representative only and are not an offer or commitment to lend. Actual rates, fees, and terms are set by the funding lender and depend on your business and credit. Business financing only — no consumer or personal loans.
Representative APR ranges from 7% to 45% depending on product, business profile, and credit.