This Is Why You're Here
Why Caterings Come to Us Instead of Their Bank
You booked a $35K corporate event in 3 weeks. Food costs, staffing, and rentals are $18K upfront. The client's deposit is $10K but the balance isn't due until the event date.
Wedding season starts in 6 weeks. You need $25K for inventory, a new hot-holding cabinet ($8K), and deposits on 4 venue partnerships. Revenue comes in waves starting June.
A hospital system wants you to handle daily meal service for 200 employees — $15K/month guaranteed. Setup costs include a delivery van ($30K) and insulated carriers ($5K).
Your commissary kitchen lease is up and you found a space twice the size for only $1K more per month. Moving costs, new build-out, and equipment relocation total $38K — but the extra capacity lets you take 3 more events per week.
A tech company wants you to cater their 500-person holiday party in 6 weeks. Food, rentals, staffing, and a custom menu cost $28K upfront. Their deposit covers $8K. You can't turn down a client that could mean $100K/year in repeat bookings.
Booked a $50K corporate gala but needed $22K upfront for food, rentals, and staffing. Basecamp funded it in 36 hours. We cleared $28K profit on that one event.
Angela W., Catering Company Owner, Atlanta, GA
Catering Financing
Get Your Catering Business Funded 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
Built for Your Business
Why Catering Businesses Choose Basecamp
You Spend Before You Get Paid
A $35K corporate event costs you $18K in food, staff, and rentals — upfront. The client's deposit covers $10K. The balance comes on event day. That $8K gap is why caterers need a line of credit, not a one-time loan. We set up revolving credit for exactly this.
Wedding Season Is All or Nothing
June through October you're booked solid. November through March you're scrambling. You need $25K in inventory and staff deposits before wedding season starts — when your bank account is at its lowest. We fund seasonal ramp-ups in 24-48 hours.
Delivery Vehicles Are Your Lifeline
Landing a corporate meal service contract means buying a $30K delivery van and $5K in insulated carriers before the first delivery. That's $35K for guaranteed $15K/month revenue. We fund catering vehicle purchases through equipment financing at 5-15% APR.
Feast-or-Famine Cash Flow Is Real
You booked $50K in events next month but need $20K today for food and rentals. Your bank account says $6K. Turning down a profitable event because of cash timing is the most expensive mistake a caterer makes. We fix that with same-day working capital.
What You're Up Against
The Real Challenges Caterings Face
Pricing Transparency
What Catering Funding Actually Costs
Rates vary by credit, revenue, and time in business. These are typical ranges.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Catering is the ultimate cash-flow timing problem — you spend $20K on food, staff, and rentals before the client pays you $45K. A line of credit solves this permanently. We set up caterers with revolving credit so they never turn down a profitable event because of cash timing.
— Bobby Friel, Basecamp Funding - Founder
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
Your funding specialist presents 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.
Catering Capital Uses
What Catering Businesses Use Funding For
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.
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
Need commercial insurance for your catering business?
Most restaurant lenders require proof of business property and liability coverage. InsuranceService365.com covers restaurants across 29 states with same-day binding.
Don't Wait Until You Need Funding to Get Funded
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
Ready?
See What Your Catering Business Qualifies For
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
Other Restaurants Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Catering Businesses
Working Capital
Cover payroll, rent, and food costs during slow seasons. Fund same day.
Learn More →Equipment Financing
Finance ovens, walk-ins, and kitchen equipment with the asset as collateral.
Learn More →Business Line of Credit
Draw funds for inventory and payroll, repay from weekend revenue.
Learn More →SBA Loans
Long-term financing for buildouts, renovations, and second locations.
Learn More →FAQs
Catering Business Loan FAQs
Catering Business Loans & Event Catering Financing — $10K to $5M+
Catering has the worst cash-flow timing in the restaurant industry. You book a $35K corporate gala, spend $18K on food, staff, and rentals today, and the client doesn't pay the balance until event day. Your bank account doesn't care that the revenue is coming. Your vendors want their money now. We connect you with 70+ lenders who understand catering cash flow. Lines of credit that let you draw per event and repay as clients pay. Funded in 24 hours.
And wedding season? You need $25K for inventory, equipment deposits, and venue partnerships before the first booking check clears. We've funded $22K event costs in 36 hours. $30K delivery vans for corporate meal contracts. $25K seasonal ramp-ups before June hits. A line of credit is the single best financial tool for a catering company — draw what you need, pay it back when clients pay you. One application, 60 seconds, no hard credit pull.
Stop Waiting on Banks. Get Your Catering Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide