FUNDING BUILT
FOR FOOD BUSINESSES.
Equipment, working capital, and the next location.
Tell our team what the money needs to do. Funding partners send written offers with the payment, the term, and the total cost before you sign anything, and you take one or walk away. No hard credit pull to see your options, and Foody Finance charges you nothing.
3 minutes to start, no credit application, and no obligation.
Foody Finance is an independent business financing referral service, not a lender. Every offer, rate, and term comes from the funding partner, in writing.
- 49
- States served
- 6
- Financing programs
- 1
- Request review
- 0
- Hard pull to review options
How it works
8 steps from request to getting back to work.
Step 01 of 08
Start the conversation
Step 01: Start the conversation- 01
Day 0
Start the conversation
Send a request, call, or chat. No obligation.
- 02
Day 0–1
We match
Our team reviews your request and looks for a funding partner that fits.
- 03
Partner's timeline
Partner contact
If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.
- 04
Partner's timeline
Secure application
The partner sends its own secure application.
- 05
Partner's timeline
Underwriting
The partner reviews your file.
- 06
Partner's timeline
Offer
The partner presents its offer, rate, terms, and total cost in writing.
- 07
Partner's timeline
Sign and fund
If you accept, you sign directly with the partner, and the partner funds it.
- 08
Ongoing
Back to work
Keep the kitchen running.
Timing after the match is set by the funding partner. Factoring often moves faster, and SBA and term loans often take longer.
No hard credit pull
Nothing hits your credit to get information. A pull happens only once you pick a specific lender.
Your details stay here
In most states we share your details only with the funding partner we match you to, after you consent, never with marketplaces or unrelated third parties. In California and Missouri we are paid a fixed fee to transfer your inquiry, which is a sale or sharing under state privacy law, and you can opt out any time.
Terms in writing
Payment, term, and total dollar cost in writing before you sign. Factor rate programs show the total, not just the rate.
No cost to you
In most states funding partners compensate us after you receive your funds. In California and Missouri we are paid a fixed fee per transferred inquiry. You pay us nothing either way, and there are no tie-downs.
Foody Finance is an independent business financing referral service, not a bank, lender, direct funder, or investor. Nothing here is an offer of credit or a guarantee of approval. Read the disclosures and privacy policy.
Service does not wait for underwriting
The walk-in died on a Friday
and payroll still runs Monday.
Why food service gets funded differently
A cash problem here
is never one line item.
Money leaves before it arrives
Food cost is paid on delivery, labor is paid weekly, and revenue lands one ticket at a time. The gap is structural, not a sign of a badly run kitchen.
Banks read the deposits wrong
High transaction counts, seasonal swings, and thin margins look like risk to a generalist underwriter. That reading costs good operators their approvals.
Downtime compounds
A dead fryer becomes a shortened menu, then a slower Friday, then a staffing cut. The equipment invoice is the smallest number in that chain.
The cost of waiting it out
WAITING IS A DECISION,
AND THE P&L PAYS FOR IT.
Every week a fix gets deferred, the cost moves off the invoice and onto the schedule, the menu, and the staff.
Hover or tap a scenario to swap the ticket. Every figure is sourced on the methodology page.
Foody Finance
Ticket for a deferred repair
- After hours service call and diagnosis 1900
- Compressor replacement after the patch failed 24,650
- Product discarded under the 4 hour rule 3,12,000
- Rented cold storage runs, 2 staff hours a day 4,5922
- Menu cut 20 percent for 21 days 514,000
- Occupancy paid on capacity that cannot produce 6,53,570
- 1 line cook replaced 75,864
Sources on this ticket
Same repair, financed: funded in 1 to 5 days, with the payment and the total cost in dollars before you sign anything.
Illustrative model, not a quote. Figures apply published cost data to a single unit independent operation at $1,200,000 in annual sales. Actual costs vary by market, volume, and equipment. See the full methodology and sources.
What we finance
6 programs,
one request.
Each program solves a different shape of problem. A cooler replacement and a second location are not the same financing question, and treating them the same is how operators end up in expensive paper.
Equipment Financing
Fund ovens, walk-ins, fryers, POS, and vehicles without draining cash.
02Working Capital
Cover payroll, inventory, and slow months without stalling the operation.
03SBA Loans
Longer terms and lower payments for operators who can wait on the process.
04Business Line of Credit
A standing limit you draw against only when the week calls for it.
05Merchant Cash Advance
Repayment that moves with daily card volume instead of a fixed date.
06Buildout and Expansion
Capital for second locations, remodels, patios, and kitchen conversions.
Who we work with
Food service, specifically.
Restaurants
Full service, fast casual, and quick service operators nationwide.
Bars and Nightlife
Neighborhood bars, taprooms, cocktail lounges, and music venues.
Catering Companies
Corporate, wedding, and event caterers with deposit driven cash cycles.
Food Trucks
Mobile kitchens, trailers, and multi truck fleets.
Ghost Kitchens
Delivery only kitchens, virtual brands, and commissary operators.
Food Distributors
Wholesalers, specialty importers, produce, and beverage distribution.
Breweries
Production breweries, taprooms, and brewpubs with self distribution or wholesale accounts.
Bakeries
Retail bakeries, wholesale producers, and cafe bakeries running early morning production.
Common questions
Answers before the phone call.
No fee to be reviewed, no hard credit pull to see options, and nothing goes to a lender until you say so.
Read every answer
Start here
Tell us what broke, what it costs,
and when you need it.
One request. Our team reviews it and looks for a funding partner that fits the use of funds you described.