Kitchens Finance

Restaurant Line of Credit

A revolving line you draw from when food costs spike, a cooler fails, or a catering order needs upfront supplies — and pay back as the register fills up. Only pay interest on what you actually use.

Open a line of credit →Estimate my payment
Amount
$10,000 – $500,000
APR
10% – 36%
Term
6 – 24 mo
Funding speed
1–2 business days

Best for

Ongoing, unpredictable kitchen expenses across the year.

What you get

  • Revolving access for inventory and emergencies
  • Interest only on what you draw
  • Reusable as you repay
Other options:Kitchen Equipment Financing Restaurant Working Capital Kitchen Build-Out & Expansion Loans SBA Loans for Restaurants

Your questions, answered

Still deciding? Talk to a financing specialist, no obligation.

Call (307) 317-0801
Will 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.

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.