Kitchens Finance

Restaurant Working Capital

Fast working capital to stock inventory ahead of a rush, make payroll through a slow season, repair a down walk-in, or bridge the gap until delivery-platform and catering payouts land.

Get working capital →Estimate my payment
Amount
$10,000 – $1,000,000
APR
12% – 45%
Term
6 – 36 mo
Funding speed
As fast as 24 hours

Best for

Smoothing thin margins, seasonality, and surprise repairs.

What you get

  • Funds in as fast as 24 hours
  • Use for food cost, payroll, rent, or repairs
  • Early-payoff discounts
Other options:Kitchen Equipment Financing Restaurant Line of Credit 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.