Restaurant Financing.
Fuel your kitchen.
Protect your cash flow.
We specialize in financing for restaurants, cafés, bars, and food-service businesses. From commercial kitchen equipment and renovations to working capital and merchant cash advances — get the capital you need without draining reserves. Fast decisions often within 24 hours.
Your information is secure. We never sell your data.
Built for restaurants.
Designed around real kitchen cash flow.
We understand the unique pressures of food-service businesses — seasonal swings, high equipment costs, tight labor margins, and the constant need to reinvest. Our financing solutions are matched specifically for restaurant operators.
Kitchen Equipment Without the Cash Hit
Finance ovens, refrigeration, prep stations, POS systems, and full kitchen build-outs with predictable monthly payments. Keep working capital free for food, labor, and marketing.
Flexible Capital for Seasonal Swings
Working capital and merchant cash advances that flex with your sales volume. Perfect for bridging slow months, covering payroll spikes, or stocking up before peak season.
Growth & Renovation Funding
Expand seating, open a second location, refresh the dining room, or acquire another concept. We structure financing around your cash flow so growth doesn’t starve the kitchen.
See what financing your kitchen
or growth project could cost each month
Estimates only. Actual rates and terms depend on your credit, revenue, time in business, equipment type, and lender underwriting.
The right capital for every stage
of your restaurant business.
We work directly with restaurant owners and match you to the financing products that best fit your cash flow, growth plans, and risk profile.
Restaurant Equipment Financing
Commercial ovens, ranges, refrigeration, dishwashers, hood systems, ice machines, POS hardware, and full kitchen packages. New and used equipment both eligible. The equipment itself often serves as collateral — improving approval odds and rates.
Commercial kitchens • Refrigeration • POS • Hood systems
Working Capital Loans
Cover payroll, food costs, marketing, and unexpected repairs without disrupting operations. Flexible terms designed around restaurant cash-flow cycles.
- Fast funding
- Use for any business expense
- Credit scores 550+
Merchant Cash Advances
Ideal for restaurants with strong card volume. Receive a lump sum today and repay as a small percentage of daily card sales. Payments automatically adjust with revenue.
- Based on card sales
- No fixed monthly payment
- Fast approval & funding
Renovation & Expansion
Refresh the dining room, expand outdoor seating, upgrade the bar, or open a second location. Structured financing that protects operating cash flow during construction.
- Interior & exterior projects
- Multi-location growth
- Longer terms available
Inventory & Supply Financing
Stock up for peak seasons, large events, or new menu launches without tying up cash. Keep your kitchen running and your tables full.
- Seasonal inventory boosts
- Supplier payments
- Quick turnaround
Franchise & Acquisition Funding
Buying an existing restaurant or joining a franchise system? We help structure the capital stack so you can close deals and start operating faster.
- Existing location purchases
- Franchise start-up costs
- Working capital included
SBA & Longer-Term Options
When you qualify, we can connect you with SBA and traditional longer-term products for larger projects, real estate, or permanent working capital needs.
- Lower monthly payments
- Real estate eligible
- Expert guidance
Get restaurant financing in 3 simple steps
Most restaurant owners receive competitive offers within hours
1. Apply Online
Tell us about your restaurant, the equipment or capital you need, and basic business details in under 2 minutes.
2. Review & Compare Offers
We shop 50+ lenders who understand restaurants and present the best options matched to your cash flow — often within hours.
3. Get Funded & Move Forward
Accept your offer, sign digitally, and we help coordinate funding — frequently sent directly to your equipment vendor or into your account so you can keep cooking.
Restaurant Financing Resources
Practical guidance on kitchen equipment financing, cash-flow strategies, Section 179, and growing a restaurant without draining reserves.
How Restaurant Equipment Financing Works in 2026
What lenders look for, typical rates and terms for commercial kitchen equipment, and how the equipment itself improves your approval odds.
Read ArticleMerchant Cash Advances vs. Working Capital for Restaurants
When a percentage-of-sales advance makes more sense than a fixed monthly payment — and how to choose the right tool for seasonal or high-volume locations.
Read ArticleSection 179 Tax Benefits for Restaurant Equipment Purchases
How financing kitchen equipment can still let you claim significant first-year deductions while preserving the cash you need for day-to-day operations.
Read ArticleReal restaurants. Real capital. Real growth.
"We financed a complete kitchen upgrade and new outdoor seating with Co. Buy Sell. Monthly payments fit our cash flow and we never had to touch our operating reserves."
"The merchant cash advance option was perfect for our high card volume. Payments flex with sales and we had funds in the account within days to cover a busy summer."
"Opened our second location with equipment financing and working capital from Co. Buy Sell. They understood restaurant numbers better than any bank we talked to."
"Needed new refrigeration and a POS overhaul after a rough year. They got us approved with a 580 credit score and the equipment arrived before our busy season."
"Renovated the entire dining room and bar while keeping the kitchen running. The payment structure was designed around our slower winter months. True restaurant partners."
"We financed a complete kitchen upgrade and new outdoor seating with Co. Buy Sell. Monthly payments fit our cash flow and we never had to touch our operating reserves."
"The merchant cash advance option was perfect for our high card volume. Payments flex with sales and we had funds in the account within days to cover a busy summer."
Frequently Asked Questions
Straight answers about restaurant financing from people who work with restaurants every day.
Ready to equip, renovate, or grow
your restaurant without draining cash?
Join restaurant owners who financed the kitchen equipment, working capital, and expansion projects they needed — while protecting the cash flow that keeps the doors open.
No credit impact to see your options • Free consultation • No obligation
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