This Is Why You're Here
Why Ghost Kitchens Come to Us Instead of Their Bank
You're launching 3 virtual brands from one kitchen. Equipment, packaging, initial marketing, and 3 months of commissary rent total $45K. Revenue potential is $30K/month across all brands.
Your delivery-only kitchen needs a second prep line to handle peak hours — $18K for equipment and installation. Orders are backing up 20 minutes during dinner rush, tanking your ratings.
A shared kitchen space offered you a dedicated unit at $3K/month. Build-out for your concept is $25K. It's half the cost of your current commissary and has better delivery logistics.
Your DoorDash rankings dropped because delivery times hit 55 minutes. You need $12K for a dedicated packaging station and a part-time expediter to get times back under 35 minutes before you lose your featured placement.
A corporate office park wants daily lunch delivery for 150 people — $3K/day guaranteed. You need $22K for bulk containers, a dedicated menu, and a part-time driver. This one contract would double your monthly revenue.
Launched 3 virtual brands from one kitchen — needed $45K for equipment, packaging, and marketing. Basecamp funded the whole thing in 8 days. We hit $30K/month revenue within 90 days.
Rachel N., Ghost Kitchen Operator, Chicago, IL
Ghost Kitchen Financing
Get Your Ghost Kitchen 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. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Ghost Kitchen Businesses Choose Basecamp
Banks Don't Understand Your Model
No dining room. No storefront. No walk-in customers. Banks see that and say no. Our lenders evaluate your delivery revenue and deposits — not whether you have a sign out front. If you're depositing $10K+/month, you qualify.
Multi-Brand Launches Need Real Capital
Running 3 virtual brands from one kitchen means 3 menus, 3 packaging systems, 3 marketing campaigns. That's $45K before the first order. The revenue potential is $30K/month across all brands — but the investment is upfront. We fund multi-brand launches in 1-2 weeks.
Delivery Ratings Tank When You're Slow
Orders backing up 20 minutes during dinner rush? Your ratings drop. Your rankings drop. Your orders drop. A $18K second prep line fixes the bottleneck. We fund kitchen capacity upgrades in days so your ratings don't crater.
Shared Kitchen Leases Move Fast
A dedicated unit opened up at your commissary — $3K/month, better logistics, half the cost of your current setup. Build-out for your concept is $25K. But that unit won't sit empty long. We fund ghost kitchen build-outs in 1-2 weeks.
Bobby's Take
Bobby's Playbook for Ghost Kitchen
Most ghost kitchen operators hear 'restaurants are risky' from every bank they walk into. What banks miss is that delivery-only economics with multi-brand revenue from one kitchen and zero front-of-house overhead doesn't behave like the brick-and-mortar failure stats they're underwriting against. Specialist lenders who fund ghost kitchens know to read your aggregator-platform revenue mix and per-brand contribution margin differently. Here's how to position your transaction so the right lenders see it first.
Three things determine whether a ghost kitchen transaction closes: weekly delivery volume on each virtual brand, your third-party platform mix and effective take rate, and the kitchen's utilization rate (covers per shift). Not your personal FICO. Not whether you have a dining room. Specialist ghost kitchen lenders care about whether your weekly platform deposits net of fees support a $1,800-$3,500/month payment — and whether multiple virtual brands diversify the kitchen's revenue away from a single platform's algorithm risk.
The biggest mistake ghost kitchen operators make: applying with revenue reported gross of third-party delivery fees, making margin look much stronger than it actually is. The lender catches the gross-versus-net issue and prices conservatively. The fix: report revenue net of delivery-platform fees from the start so the lender sees real margin. Specialist ghost kitchen lenders trust net-revenue files. Generalist lenders adjust harder when they have to back into the real number.
delivery-platform revenue forfeited per delayed brand launch
Where this gets interesting at scale: a ghost kitchen operator adding a second brand or a second commissary kitchen doesn't need ONE loan. They need equipment financing for the new line + a working capital line for marketing and platform-launch fees + sometimes a SBA microloan for a small commissary lease. Three products, three lenders, one application — that's how ghost kitchen operators scale from one virtual brand to a multi-brand portfolio across multiple commissaries without bleeding cash on launches.
The ghost kitchen operators who scale fastest aren't the ones who waited for a perfect quarter on the first brand. They're the ones who had equipment and brand-development capacity ready to launch a second virtual brand the moment the first one stabilized. Every quarter you delay launching the next brand is $20,000-$45,000 in incremental delivery-platform revenue your kitchen could absorb at near-zero marginal cost. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your ghost kitchen business this week.
Bottom line:
Ghost kitchen operators don't get funded by banks that want a dining room. They get funded by specialists who price net-of-fees revenue and see multi-brand kitchens as diversified — not as concept risk.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Ghost Kitchens Face
Pricing Transparency
What Ghost Kitchen Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
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 →Ghost kitchens are the future — low overhead, multiple brands, pure delivery. But launching 3 virtual brands still costs $40K-$50K in equipment and marketing. We fund ghost kitchen operators based on delivery revenue, not whether they have a dining room. Banks don't get this model yet — we do.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your concept, locations, and weekly bank deposits. No P&L upload yet.
Soft Credit Screen
We screen options with no impact on personal FICO or your restaurant's commercial credit.
Restaurant-Specialty Lenders Compete
70+ lenders who fund full-service, fast-casual, food trucks, and franchises review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through equipment finance, working capital, and buildout structures.
Choose Your Offer, Sign, Get Funded
E-signature. Funds hit before payroll runs or the supplier truck rolls.
Ghost Kitchen Capital Uses
What Ghost Kitchen 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 ghost kitchen 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
Restaurant cash flow is brutal — payroll Friday, food cost daily, rent monthly, and a Tuesday slow week can wipe the buffer. The operators that survive pre-qualified BEFORE the slow stretch hit. By the time you're stalling on payroll, lenders see stress; before, they see opportunity. Pre-qualify when the room is full.
Ready?
See What Your Ghost Kitchen 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
Soft-pull pre-qual · No obligation · Estimate only
Other Restaurants Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Ghost Kitchen 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
Ghost Kitchen Business Loan FAQs
Ghost Kitchen Loans & Virtual Restaurant Financing — $10K to $500K+
Try explaining a ghost kitchen to a bank loan officer. No storefront. No dining room. Three brand names that only exist on delivery apps. They don't get it. We do. 70+ lenders who fund ghost kitchen operators based on delivery revenue and deposits. If your kitchen is pushing $10K-$30K a month across your brands, you've got options. Same-day approvals. Soft-pull pre-qual.
Look — running 3 virtual brands from one kitchen sounds lean, but the launch costs are real. Equipment, packaging for each brand, marketing to build rankings from zero, 3 months of commissary rent. That's $45K before order one. And when dinner rush backs up 20 minutes because you need a second prep line? Your ratings tank. We've funded $45K multi-brand launches in 8 days. $18K prep line expansions in under a week. $25K dedicated kitchen build-outs when a better commissary unit opens up. One application, 60 seconds.
Stop Letting Slow Tuesdays Drain Your Friday Buffer. Get Your Ghost Kitchen Restaurant Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide