Equipment that cannot wait
Ovens, coolers, hoods and espresso machines qualify for 36- to 60-month equipment loans, new or used, secured by the equipment. Same-week funding is common.
Funding for restaurants,
ready before the rush.
A walk-in dies on a Friday, covers drop 40 percent in January, and the second location needs a build-out before the first table is seated. One application, shopped to the lenders we work with that fund food service, with funding in as little as 24 hours.1 No impact to your credit score to apply.2
4.8Excellent · Based on 12,480 reviews
FundLine Capital is a commercial loan broker, not a lender. Offers are made by the lenders we work with.
How much do you need?Illustrative only. Your rate, term and payment are set by the lender whose offer you accept.
Est. monthly payment$1,911
Illustrative terms13.5% APR · 24 mo
3 daysto replace a failed walk-in with equipment financing
A $28K cooler on a 48-month payment costs less than one weekend of lost service. The lenders we work with know that, and they move at kitchen speed.
Capital for the kitchen,
the slow season and the second door
Some banks avoid restaurants. Several of the lenders we work with specialize in them, and they read daily card sales and time in business, not the industry label.
Repay from daily card sales
Merchant cash advances and card-linked loans are repaid as a small share of each day's receipts, so payments shrink on a slow Tuesday and grow on a packed Saturday.
A line for the slow season
Draw $20K to $150K in January to keep the full crew and repay it by April when patio season starts. Interest only on the weeks you use it.
Compare the total cost before you accept a card-sales advance
An advance repaid from daily receipts is fast and flexible, and it is usually more expensive than a line of credit for the same need. We put both in front of you with the total payback amount, not just the daily percentage. Plenty of operators choose the advance for a short, urgent need and the line for the slow season. The point is to choose on the numbers.
How restaurants get funded with FundLine
Copper Kettle Bistro
$55,000 of $100,000Available to draw
$45,000Outstanding balance
Draw funds
January payroll$31,000
Produce and protein invoices$14,000
Next payment$2,050 on Feb 1
Planned payoffApr 15
- 1
Apply once
About 15 minutes. Company details, three to six months of bank statements and recent card-processing statements. Your lease helps for expansion requests.
- 2
Compare offers
We shop the application to the lenders we work with that fund food service and show every offer with its total cost, including any card-sales repayment.
- 3
Fire the line
Accept the offer that fits. Short-term loans and equipment financing often fund in as little as 24 hours after acceptance; SBA expansion loans take several weeks.
Talk to someone who has
replaced a cooler on a Thursday.
Our advisors have placed same-week equipment loans, slow-season lines and second-location SBA loans for cafes, bistros, bars and multi-unit groups. Bring your card statements and your lease; we will tell you what fits before you apply.
Book a callReal people, any day of the week
What operators say
Excellent
4.8
Based on 12,480 reviewsFundLine owner reviewsRestaurant funding questions
Restaurants with a year or more of sales typically qualify for a business line of credit, equipment financing and short-term loans. Established operators are strong candidates for SBA 7(a) loans on expansions. FundLine shops one application to the lenders we work with that fund food service.
Some banks avoid the category, which is exactly why a broker helps. Several lenders we work with specialize in food service and look at daily card sales, time in business and how you handled past slow seasons rather than the industry label.
Yes. Merchant cash advances and some short-term loans are repaid as a small percentage of daily card receipts, so payments shrink on slow days. Compare the total cost against a line of credit before you accept; we show both.
Equipment loans match the quote, often $10K to $150K. Slow-season lines run $20K to $150K. Second locations and major build-outs through SBA 7(a) run $150K to $500K and beyond through the lenders we work with.
The application takes about 15 minutes. Short-term loans and equipment financing often return offers within a couple of days, and many lenders fund in as little as 24 hours after you accept. SBA loans take several weeks.
Usually. Most equipment lenders finance used ovens, coolers, hoods and dishwashers from a dealer, with terms that depend on age and condition. The equipment secures the loan, so nothing else in the business is pledged.
It is possible. Products for businesses under two years old, equipment financing for the kitchen build-out and SBA loans with a solid business plan are the usual routes. Expect lenders to weigh the owner's credit and prior operating experience heavily.
Deposited cash counts; undeposited cash does not. Lenders read bank deposits and card-processing statements, so run cash through the account for at least three months before you apply. Tips paid out to staff are not revenue.
Three to six months of business bank statements, recent card-processing statements, basic company details and, for larger amounts, a P&L and your lease. Equipment requests need the dealer quote.
Equipment financing
Ovens, coolers and hoods on 36 to 60 months, secured by the equipment, often funded the same week.
Merchant cash advance
Fast capital repaid from a share of daily card sales, for the urgent need that cannot wait for a slow month to end.
Guides for operators
How to fund the kitchen, survive January and open the second door on the right terms.
Guide
Business financing, explained
Every product from a card-sales advance to SBA 7(a), with the total cost of each spelled out.
Read moreBlog
Where owners can accept an offer the same day
Which products move at kitchen speed, and what to have ready so they do.
Read moreTool
Payment calculators
Compare a 48-month equipment payment to the revenue a working cooler brings back.
Read moreReady before
the next rush?
One 15-minute application. No impact to your credit score to apply.
- 1¹ Funding in as little as 24 hours applies to select products after you accept an offer. Timing varies by lender, product and how quickly documents are returned.
- 2² Submitting a FundLine application does not affect your personal or business credit score. A lender may run a hard inquiry before final approval and will disclose it first.
- 3³ Amounts, rates and terms are set by the lender and depend on time in business, revenue and credit profile. $5K to $5M is the range across the lenders we work with; not every business qualifies for every amount.
- 4Merchant cash advances are a purchase of future receivables, not a loan. Total payback and the share of daily sales are set by the provider and disclosed before you accept.