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. 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 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.
What You're Up Against
The Real Challenges Ghost Kitchens Face
Pricing Transparency
What Ghost Kitchen 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 →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, 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.
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
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 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
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 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. No hard credit pull.
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 Waiting on Banks. Get Your Ghost Kitchen Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide