Equipment Financing / Ghost Kitchens
Equipment Financing for Ghost Kitchens
A delivery only kitchen converts capital into throughput. Every additional brand running out of the same space needs holding capacity that was not there before.
How does equipment financing work for ghost kitchens?
Ghost kitchen equipment financing funds cooking equipment, refrigeration, holding cabinets, and packaging lines for delivery only operations across 24 to 72 months. Platform deposits count as revenue in underwriting, so a virtual brand qualifies on the same basis as a dining room restaurant.
Estimates, not offers: Amounts, terms, and funding times are estimates based on programs commonly available in food service. Actual terms vary by program, lender underwriting, time in business, revenue, and credit profile. Nothing here is an offer of credit or a guarantee of approval. See source and method.
What this covers
- /Cooking equipment, refrigeration, holding cabinets, and packaging equipment all qualify.
- /Delivery platform deposits are treated as revenue in underwriting.
- /Equipment installed in shared commissary space can be financed when the equipment is yours.
- /Terms are matched to the equipment life rather than the lease term where possible.
- /Adding a second virtual brand is financed as an equipment expansion, not a new business.
| Detail | |
|---|---|
| Typical amount | 5,000 to 500,000 |
| Term | 24 to 84 months |
| Time to funding | 1 to 5 business days |
| Documents | Application, equipment quote, bank statements |
| Cost structure | Fixed monthly payment |
Estimates, not offers: Amounts, terms, and funding times are estimates based on programs commonly available in food service. Actual terms vary by program, lender underwriting, time in business, revenue, and credit profile. Nothing here is an offer of credit or a guarantee of approval. See source and method.
What it looks like in practice
A 3 brand delivery kitchen finances a second fryer bank and holding cabinets to cut ticket times.
A commissary operator finances refrigeration to sublease additional stations.
Other financing for ghost kitchens
Questions operators ask
Do ghost kitchens qualify for equipment financing?
Yes. Underwriting reviews bank deposits, and platform payouts count the same as card settlements.
Can I finance equipment in a rented commissary?
Yes, when you own the equipment. Lenders review remaining lease term against the financing term.
Does running multiple virtual brands complicate approval?
No. Approval looks at the operating entity's total deposits.
Is packaging inventory financeable?
Packaging inventory is working capital, not equipment. Packaging machinery is equipment.
How fast can this fund?
Typically 1 to 5 business days with a vendor quote.