“Summer slowed down and I couldn't make payroll. An MCA company wanted 40% of my daily card sales. Basecamp Funding got me $150K with fixed monthly payments — my busy nights stayed mine.”
★★★★★ — Maria C. . Full-Service Restaurant . 35 Seats . Austin, TX
See What You Qualify For
Find Out What You Qualify For in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Your Application Gets Matched Across 70+ Lending Partners Including
Multiple lenders compete for your business — you pick the best offer
Restaurant Business Loans & Equipment Financing — $10K to $10M+
Basecamp Funding connects independent restaurant owners, franchise operators, and food service businesses with over 70 lending partners specializing in restaurant business loans. Whether you need working capital for payroll during slow season, equipment financing for commercial ovens and coolers, a business line of credit for inventory and supplies, or an SBA loan for a second location build-out — we match you with the best rates and terms available.
Full-service restaurants, fast casual concepts, food trucks, bars, bakeries, catering companies, coffee shops, pizza shops, ghost kitchens, and dessert concepts trust Basecamp Funding for fast, flexible capital. From a $12K equipment emergency to a $2M multi-location expansion — one 60-second application, no hard credit pull, no minimum credit score.
Most restaurant loan approvals happen within hours. Same-day funding is available on select products. Stop waiting on banks that don't understand seasonal revenue and reinvestment cycles — let 70+ lenders compete for your business.
Sound Familiar?
Why Restaurant Owners Come to Us Instead of Their Bank
Your walk-in compressor died Friday night. You've got $12K in perishable inventory and the replacement costs $18K installed. You need funding by Monday, not next month.
You signed a lease for a second location. Build-out estimate is $175K. Your bank approved $100K. You're $75K short with construction already started.
Summer patio season starts in 6 weeks. You need $45K for a patio build-out, furniture, and marketing push. By the time your bank decides, summer is half over.
You're doing $65K/month but your P&L shows break-even because you reinvest everything. Banks see break-even and say no. We see $65K in monthly deposits.
A restaurant two blocks away is closing. Their equipment — 3 years old, commercial grade — is worth $120K. They'll sell for $60K but only if you pay this week.
Your POS system is 8 years old. The new system with online ordering, delivery integration, and loyalty programs costs $25K. It'll pay for itself in 6 months but you don't have $25K right now.
If any of this sounds familiar, you're exactly who we built this for.
Get Your Options →“Walk-in died Friday, funded Tuesday, new unit installed Thursday. My bank would still be asking for my 2024 tax return.”
★★★★★ — Tony M., Pizzeria Owner, New York
Why Us
Why Restaurants Choose Us Over Banks
We built our process around the way restaurants actually operate — not the way banks wish you did.
We Fund Through Seasonal Dips
January revenue is half of July. Banks see declining revenue and flag risk. Our lenders understand restaurant seasonality and approve through the slow months.
We Don't Touch Your Daily Sales
MCAs deduct 10-20% of your daily card swipes. Our lenders offer fixed repayment so your busiest nights fund your business, not your lender.
Food Cost Spikes Won't Shut You Down
When protein prices jump 30% overnight, you need capital to stock up or absorb the hit. Our lenders move fast enough to keep your kitchen running.
Payroll Gaps Don't Mean Denial
Monday through Wednesday is dead but your staff still needs to eat. Banks see thin margins. Our lenders evaluate your weekly and monthly deposit patterns.
Emergency Repairs Get Same-Day Funding
A dead walk-in cooler on Friday night can't wait 6 weeks. Our lenders fund equipment emergencies fast enough to keep your doors open this weekend.
Second Locations Don't Need a Business Plan
Banks want 50-page projections for a second location. Our lenders fund expansion based on your existing restaurant's proven revenue and deposit history.
60% of restaurants fail within the first year — most due to cash flow, not food quality
— National Restaurant Association
Food costs have risen 28% since 2020, squeezing margins to an average of just 3-5%
— U.S. Bureau of Labor Statistics
The average restaurant needs $25,000 in working capital reserves to survive seasonal dips
— Restaurant Business Magazine
Free Tool
What Can Your Restaurant Business Qualify For?
Enter your monthly revenue, time in business, and industry to see your estimated approval range and recommended products. No credit pull.
Avoid These
5 Funding Mistakes That Cost Restaurant Owners the Most
"Taking an MCA during slow season"
$30K advance with daily holdbacks of $200 destroys cash flow in January when revenue drops 30-40%. Revenue-based financing adjusts payments with your sales.
"Not planning for equipment replacement"
Average commercial kitchen equipment lasts 8-12 years. If your fryer, cooler, and dishwasher are all 9 years old, you're facing $40K-$80K in replacements within 3 years. A credit line costs nothing until you use it.
"Using personal savings"
Every dollar of personal money has no collateral protection. Equipment financing uses the equipment itself as collateral and preserves your reserves.
"Signing a long lease without renovation capital"
A 10-year lease on a raw space with only 60% of the build-out budget means cutting corners on the kitchen. Underfunded build-outs lead to equipment failures and code violations.
"Not separating catering revenue"
If catering does $15K/month with 60-day corporate payment terms, that's $30K in receivables you could be financing instead of waiting on.
“They didn't flinch at my seasonal revenue dip. They looked at my 12-month average and approved $80K in 48 hours.”
★★★★★ — Maria S., Mexican Restaurant, Arizona
How We Compare
How We Compare
Not all funding sources are created equal. Here's how we stack up against your other options.
Funding by Restaurant Size
How We Fund Restaurants at Every Stage
Single Location / Owner-Operated
Common Needs
Working capital, equipment financing
24-48 hours
Tony's Pizzeria, Brooklyn — walk-in cooler died Saturday. $14K replacement funded by Tuesday. Tony's words: 'I would have lost $8K in inventory waiting for my bank.'
Multi-Unit / 2-5 Locations
Common Needs
Line of credit, working capital, equipment financing, SBA
24-72 hours
Sunrise Taco, 3 locations in Austin — $180K for fourth location build-out. Bank wanted 40% down on SBA. Funded with 15% down through our preferred SBA network in 28 days.
Restaurant Group / 5+ Locations
Common Needs
SBA loans, term loans, CRE financing
1-3 weeks for complex financing
Coastal Dining Group, 8 locations — $2.4M to acquire competing 3-unit seafood concept. Seller was 30 days from signing with another buyer. SBA financing closed in 26 days.
Funding Built for Your Restaurant
Whether you're a single-location owner or running a restaurant group, we match you with the right product and amount.
Growing Businesses
$10K – $500K
Revenue-based funding for working capital, equipment, and growth. Most businesses fund in 1–3 days.
See What You Qualify For →Established Businesses
$500K – $5M
Term loans, SBA loans, and large equipment financing for businesses with $500K+ monthly revenue.
See What You Qualify For →Commercial & Complex Financing
$5M – $10M+
Business acquisitions, commercial real estate, and structured financing. Dedicated commercial lending team.
Request a Financing Review →Pricing Transparency
What Restaurant Funding Actually Costs
Most lenders hide the real cost behind jargon. Here's what businesses actually pay.
Rates and terms vary by credit profile, revenue, and time in business. These are typical ranges for restaurants in our network.
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
A single funding specialist calls you with your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Use Your Capital For
How Restaurants Use Basecamp Funding
Kitchen Equipment
Ovens, fryers, walk-ins, hood systems, POS systems. Upgrade without draining your cash reserves.
Payroll & Staffing
Cover payroll during slow weeks. Hire for the busy season. Retain your best staff year-round.
Renovation & Buildout
Dining room refresh, patio expansion, bar remodel, second location buildout.
Inventory & Food Costs
Stock up for busy season. Lock in bulk pricing from suppliers. Never run out of your best sellers.
Marketing & Promotion
Social media ads, Google Ads, delivery platform fees, grand opening campaigns, loyalty programs.
Second Location
Open a new spot, launch a ghost kitchen, or expand into catering. Scale without risking the mothership.
Debt Consolidation
Refinance predatory MCAs, high-interest credit cards, or equipment leases into one manageable payment.
Repairs & Compliance
Health department fixes, grease trap replacement, fire suppression, ADA compliance. Handle it now.
Technology & Delivery
Online ordering, delivery integration, reservation systems, kitchen display screens. Modernize your operation.
“We were about to lose our second location lease because we couldn't prove build-out capital. Basecamp got us approved in 3 days.”
★★★★★ — David K., Café Owner, Colorado
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
🚫 These Can Be Deal-Breakers
Before You Apply
What to Have Ready
Having these speeds up your approval. Don't have everything? Start anyway — we'll guide you.
✓3 months of bank statements
PDF download or online banking credentials
✓Business checking account
Must be a dedicated business account
✓Valid business license or EIN
Proof your business is registered
✓Government-issued ID
Driver's license or passport
✓Outstanding debt details
Existing loans, MCAs, or credit lines
✓Approximate monthly revenue
Doesn't need to be exact
The Slow Season Shouldn't Shut Down Your Kitchen
1 in 5 restaurants don't survive their first year — usually because they ran out of cash, not customers. A pre-approved credit line costs nothing until you draw it. But when January hits, or the health inspector orders a $15K fix, or your walk-in dies on a Friday — you're covered.
No credit impact · No obligation · 60 seconds
See What You Qualify For
See What You Qualify For. No Credit Impact. No Obligation.
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Recommended Products
Recommended Loan Products for Restaurants
The most popular funding types for restaurants businesses. Each links to a detailed product page.
Working Capital Loans
Cover payroll, rent, and food costs during slow weeks and seasonal dips.
View Product Details →Equipment Financing
Finance ovens, walk-ins, hood systems, and POS upgrades for your kitchen.
View Product Details →Revenue-Based Financing
Flexible repayment that scales with your revenue during busy and slow seasons.
View Product Details →Merchant Cash Advance
Fast capital when you need emergency funds to keep your restaurant open today.
View Product Details →Financing by Restaurant Type
Every concept. Click yours for tailored options.
Need commercial insurance for your restaurants business?
Our partner Direct Insurance Services covers restaurants businesses across 29 states.
FAQs
Restaurant Business Loan FAQs
Maria L.
Restaurant Owner | Denver, CO
“Needed $60K to survive a slow winter season. Working capital funded in 2 days. That money kept my staff employed and my doors open.”
Don't Let Thin Margins Kill a Great Restaurant
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide