Resources
What financing actually costs, before you talk to anyone.
Numbers, requirements, and tradeoffs written for operators who want the details in advance.
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Equipment payment calculator
What is the monthly payment and total repaid on an equipment quote?
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Buildout budget calculator
What does the buildout cost per square foot, and what is left to fund?
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Working capital vs line of credit
Which costs less for the way you actually use the money?
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Debt service coverage calculator
Does your cash flow cover the payment an underwriter will test?
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Second location stack calculator
What does the full stack cost across equipment, buildout, and working capital?
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Merchant cash advance cost calculator
What does a factor rate cost in total dollars and effective terms?
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Food cost calculator
What is your food cost percentage, and where is the margin going?
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Labor cost and prime cost calculator
What is your labor cost percentage and combined prime cost?
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Break-even calculator
How much revenue covers fixed costs before a dollar of profit exists?
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Grants
Money you never repay
Food and beverage grants we search every month
Recurring US grant and award programs open to food and beverage operators, each linked to the funder's own page. Checked monthly, free to read, no email required.
See the grant watchlist
Guides
6 minute read
Restaurant equipment leasing vs financing
Ownership, payment size, end of term treatment, and total dollar cost compared across leases and equipment finance agreements.
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6 minute read
Food truck lease to own, explained
How lease to own food truck deals are priced, what the buyout costs, and when straight financing beats the rental route.
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6 minute read
Restaurant financing with bad credit
Which programs approve below a 600 score, what they cost, and the 3 file problems that cause more declines than credit does.
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6 minute read
Restaurant equipment financing for startups
How pre revenue and first year restaurants finance a kitchen package, what down payment to expect, and how to sequence the request.
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7 minute read
Commercial kitchen equipment financing
What terms each class of kitchen equipment carries, how hoods and walk-ins are underwritten, and what a full package costs to finance.
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7 minute read
How to get a business loan for a restaurant
The order of operations for a restaurant loan: what to gather, which program fits your situation, and what happens after you request a review.
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6 minute read
How much does a food truck cost
What a new build, a used unit, and a trailer cost, what the kitchen package adds, and what the monthly payment looks like when it is financed.
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7 minute read
Food truck startup costs, the full first year
Every line item between signing for a truck and the end of year 1, including permits, commissary, insurance, and the working capital most budgets leave out.
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7 minute read
How to start a food truck business
The order that keeps a food truck launch from stalling: entity, permits, commissary, unit, financing, and the first 90 days of service.
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6 minute read
Buying a used food truck without buying a problem
What to inspect, which failures are expensive, what a private party purchase requires, and how a used unit is financed.
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6 minute read
How breweries finance tanks, canning lines, and cold storage
What brewery equipment financing covers, how taproom and distribution revenue read to underwriting, and which program fits each purchase.
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6 minute read
How bakeries finance ovens, mixers, and wholesale growth
What bakery equipment costs to finance, how wholesale terms create the cash gap, and which program fits retail versus production growth.
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Get the document checklist
We send the checklist of what funding partners ask for, then a specialist goes through it with you on the call.
- No credit application and no hard pull to start.
- A specialist reviews your operation before anything is submitted.
- Written offers only, and you can walk away at any point.