Industry Funding
Business Funding for Restaurants & Food Service
From slow Januaries to broken walk-in coolers, Commera matches food service businesses with fast capital when bank financing isn't an option.
Soft credit pull · First offers within 24 hours · No fees to apply
By Filip Kozina · Co-Founder, Commera Funding
The real problem
Why businesses in this industry partner with Commera
Bank financing moves on bank timelines. Your business doesn't.
- 01
Seasonal Revenue Swings
Revenue can drop 30-40% from December to January in most markets. Banks won't lend during slow periods. A business line of credit lets you draw only what you need in the slow months, while revenue-based funding underwriters look at your 3-month average, meaning your good months count.
- 02
Equipment Failure Is Non-Negotiable
A broken walk-in cooler or commercial oven means lost inventory, health code violations, and closed doors. Equipment financing or leasing can spread the cost of a replacement over its useful life, or, when you need it running tomorrow, fast working capital lands in 24-48 hours, not 3 weeks.
- 03
Labor and Payroll Gaps
Food service payroll is weekly or bi-weekly. One slow stretch can create a payroll gap even for profitable businesses. A revolving line of credit covers the gap without locking you into a fixed term, and revenue-based repayment adjusts daily with your revenue, slow days mean smaller payments.
- 04
Lease Renewals and Buildouts
Landlords often require 2-3 months of rent upfront for renewals or new locations. A 30-day funding window destroys your negotiating leverage. Fast capital keeps you in control.
What you can fund
What businesses fund with Commera
Common uses for businesses in your industry.
Equipment Replacement
Commercial refrigeration, ovens, hood systems, POS upgrades, financed or leased, or funded in 24-48 hours when speed is critical.
Seasonal Bridge Capital
A line of credit or revenue-based advance covers payroll and fixed costs during slow months without dipping into reserves.
Catering and Event Inventory
Secure bulk food and supply orders for large events without tying up operating capital.
Second Location Deposit
Move on a lease opportunity before another operator does.
Kitchen Renovation
Health code upgrades, capacity expansion, or efficiency improvements.
Typical Funding Range
$15K-$250K
How to Qualify
Restaurants typically qualify with 6+ months in business and $20K+ in monthly bank deposits. We match you to the right structure, a line of credit for seasonal swings, equipment financing for a kitchen rebuild, or revenue-based funding when speed matters. Seasonal revenue patterns are understood, we look at your 3-month average, not just your slowest month.
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Every structure we can place
Two businesses in the same industry rarely need the same product. An advisor prices these against each other for your file rather than pushing whichever one funds fastest.
Ready to move?
See what you qualify for today
3-minute application. Soft credit pull only. No obligation.
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