# Foody Finance

> Foody Finance is a food service consultancy, not a lender, a bank, or a funding source. We connect operators in all 50 states with the funding sources that fit: restaurants, bars, catering companies, food trucks, ghost kitchens, and food distributors. Start with a free conversation with a specialist. Review the programs you qualify for, then use a dedicated application only for the program you choose. No hard credit pull to see options. Funding partners compensate us after you receive your funds, and you pay us nothing. The same team also handles payment processing and website development.

Contact: funding@foodyfinance.com | (833) 505-1900 | Monday to Friday, 7am to 6pm CT
Service area: United States, remote and nationwide.

## Financing programs
- [Equipment Financing](/financing/equipment-financing): Fund ovens, walk-ins, fryers, POS, and vehicles without draining cash.
- [Working Capital](/financing/working-capital): Cover payroll, inventory, and slow months without stalling the operation.
- [SBA Loans](/financing/sba-loans): Longer terms and lower payments for operators who can wait on the process.
- [Business Line of Credit](/financing/business-line-of-credit): A standing limit you draw against only when the week calls for it.
- [Merchant Cash Advance](/financing/merchant-cash-advance): Repayment that moves with daily card volume instead of a fixed date.
- [Buildout and Expansion](/financing/buildout-and-expansion): Capital for second locations, remodels, patios, and kitchen conversions.

## Industries served
- [Restaurants](/industries/restaurants): Full service, fast casual, and quick service operators nationwide.
- [Bars and Nightlife](/industries/bars-and-nightlife): Neighborhood bars, taprooms, cocktail lounges, and music venues.
- [Catering Companies](/industries/catering): Corporate, wedding, and event caterers with deposit driven cash cycles.
- [Food Trucks](/industries/food-trucks): Mobile kitchens, trailers, and multi truck fleets.
- [Ghost Kitchens](/industries/ghost-kitchens): Delivery only kitchens, virtual brands, and commissary operators.
- [Food Distributors](/industries/food-distributors): Wholesalers, specialty importers, produce, and beverage distribution.

## Program and industry combinations
- [Equipment Financing for Restaurants](/financing/equipment-financing/for/restaurants)
- [Food Truck Equipment Financing](/financing/equipment-financing/for/food-trucks)
- [Equipment Financing for Bars](/financing/equipment-financing/for/bars-and-nightlife)
- [Equipment and Vehicle Financing for Caterers](/financing/equipment-financing/for/catering)
- [Equipment Financing for Ghost Kitchens](/financing/equipment-financing/for/ghost-kitchens)
- [Working Capital for Restaurants](/financing/working-capital/for/restaurants)
- [Working Capital for Bars and Nightlife](/financing/working-capital/for/bars-and-nightlife)
- [Working Capital for Food Distributors](/financing/working-capital/for/food-distributors)
- [Working Capital for Catering Companies](/financing/working-capital/for/catering)
- [SBA Loans for Restaurants](/financing/sba-loans/for/restaurants)
- [SBA Loans for Bars and Taverns](/financing/sba-loans/for/bars-and-nightlife)
- [Business Line of Credit for Caterers](/financing/business-line-of-credit/for/catering)
- [Merchant Cash Advance for Food Trucks](/financing/merchant-cash-advance/for/food-trucks)
- [Restaurant Buildout and Expansion Financing](/financing/buildout-and-expansion/for/restaurants)
- [Buildout Financing for Ghost Kitchens](/financing/buildout-and-expansion/for/ghost-kitchens)

## Guides
- [How to finance restaurant equipment](/resources/how-to-finance-restaurant-equipment): What restaurant equipment financing costs, what documents you need, how fast it funds, and when leasing beats buying.
- [What a restaurant buildout actually costs](/resources/restaurant-buildout-cost-breakdown): Line by line buildout costs for second generation space versus a bare shell, and where projects go over budget.
- [Working capital vs line of credit for restaurants](/resources/working-capital-vs-line-of-credit): When a lump sum beats a revolving limit, how each is priced, and which one fits a repeating cash flow gap.
- [Restaurant loan requirements by program](/resources/restaurant-loan-requirements): Minimum time in business, credit expectations, and documents for equipment, working capital, lines of credit, and SBA loans.
- [Financing a second restaurant location](/resources/financing-a-second-restaurant-location): How much capital a second location needs, how lenders evaluate multi unit operators, and how to structure the stack.
- [The true cost of a merchant cash advance](/resources/merchant-cash-advance-true-cost): How factor rates convert to real dollars, when an advance is the right call, and how operators refinance out of one.

## Locations
- [Coverage overview](/locations)
- [Alabama financing](/locations/alabama)
- [Alaska financing](/locations/alaska)
- [Arizona financing](/locations/arizona)
- [Arkansas financing](/locations/arkansas)
- [California financing](/locations/california)
- [Colorado financing](/locations/colorado)
- [Connecticut financing](/locations/connecticut)
- [Delaware financing](/locations/delaware)
- [District of Columbia financing](/locations/district-of-columbia)
- [Florida financing](/locations/florida)
- [Georgia financing](/locations/georgia)
- [Hawaii financing](/locations/hawaii)
- [Idaho financing](/locations/idaho)
- [Illinois financing](/locations/illinois)
- [Indiana financing](/locations/indiana)
- [Iowa financing](/locations/iowa)
- [Kansas financing](/locations/kansas)
- [Kentucky financing](/locations/kentucky)
- [Louisiana financing](/locations/louisiana)
- [Maine financing](/locations/maine)
- [Maryland financing](/locations/maryland)
- [Massachusetts financing](/locations/massachusetts)
- [Michigan financing](/locations/michigan)
- [Minnesota financing](/locations/minnesota)
- [Mississippi financing](/locations/mississippi)
- [Missouri financing](/locations/missouri)
- [Montana financing](/locations/montana)
- [Nebraska financing](/locations/nebraska)
- [Nevada financing](/locations/nevada)
- [New Hampshire financing](/locations/new-hampshire)
- [New Jersey financing](/locations/new-jersey)
- [New Mexico financing](/locations/new-mexico)
- [New York financing](/locations/new-york)
- [North Carolina financing](/locations/north-carolina)
- [North Dakota financing](/locations/north-dakota)
- [Ohio financing](/locations/ohio)
- [Oklahoma financing](/locations/oklahoma)
- [Oregon financing](/locations/oregon)
- [Pennsylvania financing](/locations/pennsylvania)
- [Rhode Island financing](/locations/rhode-island)
- [South Carolina financing](/locations/south-carolina)
- [South Dakota financing](/locations/south-dakota)
- [Tennessee financing](/locations/tennessee)
- [Texas financing](/locations/texas)
- [Utah financing](/locations/utah)
- [Vermont financing](/locations/vermont)
- [Virginia financing](/locations/virginia)
- [Washington financing](/locations/washington)
- [West Virginia financing](/locations/west-virginia)
- [Wisconsin financing](/locations/wisconsin)
- [Wyoming financing](/locations/wyoming)

## Key pages
- [Get funds now](/apply)
- [FAQ](/faq)
- [About](/about)
- [Contact](/contact)
- [Disclosures](/disclosures)
- [Sitemap: all 229 public pages](/sitemap)