Capital for your ghost kitchen buildout — Ghost Kitchen Financing
We connect owners of delivery-only restaurants with lenders who specialize in commercial cooking, ventilation, and POS equipment.
Checking rates involves a soft credit pull only.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Ventless cooking
- Commissary space
- Cloud kitchen
- POS integration
- Extraction systems
- Delivery throughput
- Equipment lease
- Capital expenditure
Financing solutions for ghost kitchen and virtual restaurant equipment in the US
Financing options matched to your situation, in one place.
- Lease Equipment lease agreements Lease agreements preserve cash flow with flexible terms for cooking lines.
- Loan Term business loans Term business loans provide lump sum capital for large expansion projects.
- Vendor Vendor financing programs Vendor programs offer direct payment options to equipment manufacturers.
- Working Working capital advances Working capital covers short-term gaps for payroll or utility costs.
- $10K–$750K Available capital
- 24–72 hrs Time to funding
- 1 soft pull Impact on credit
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
-
Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
-
They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Industry expertise
- We focus only on commercial food service equipment assets.
- Lenders understand the specific margins of delivery-only models.
Fast turnaround
- Pre-approval decisions happen within one business day.
- Minimal documentation required for established ghost kitchens.
Transparent process
- You see all loan terms before signing any binding agreements.
- No hidden application fees or upfront commitment charges.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Low credit score
Banks view startup restaurants as high-risk ventures with tight margins.
Lack of collateral
Traditional lenders often demand real estate equity to secure commercial loans.
Short time in business
Lenders prefer three years of tax returns to prove stable cash flow.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Virtual burger concept owner
Purchased high-efficiency ventless fryers and convection ovens.
Multi-brand ghost kitchen operator
Complete buildout of four new stations in a shared facility.
Startup delivery kitchen founder
Acquired integrated POS software and delivery dispatch hardware.
Established commissary manager
Installed new heavy-duty exhaust and HVAC ventilation systems.
Restaurant insurance coverage
Once your kitchen is equipped, protect your assets and liabilities with specialized commercial policies designed for delivery-focused food service brands.