This Is Why You're Here
Why Pizza / Deliverys Come to Us Instead of Their Bank
Your deck oven is dying — inconsistent temps are ruining pies. A new Marsal costs $22K. Every bad pizza costs you a repeat customer. The oven supplier has one in stock.
DoorDash and UberEats take 30% of every delivery order. You want to build your own online ordering system and hire 3 drivers — $18K investment that saves $4K/month in fees.
You're opening a second location in a college town. Build-out, equipment, and 3 months of operating capital total $110K. Your first location proves the model.
Cheese prices spiked 25% and your food cost just blew past 35%. You need $15K to buy mozzarella in bulk at last month's price before your distributor raises it again.
Your delivery driver's car broke down and two others quit. You need $20K for a used delivery vehicle and signing bonuses to hire 3 new drivers before you lose your 4.8-star delivery rating.
DoorDash was taking 30% of every order. Basecamp funded $18K so we could build our own online ordering and hire drivers. We saved $4K/month in fees from day one.
Tony S., Pizza Shop Owner, Philadelphia, PA
Pizza / Delivery Financing
Get Your Pizza / Delivery 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 Pizza / Delivery Businesses Choose Basecamp
Your Oven Runs 16 Hours a Day
A deck oven pulling inconsistent temps ruins pies and loses repeat customers. A new Marsal costs $22K. Every bad pizza costs you a regular worth $2K a year. We fund commercial pizza oven replacements in 3-7 days with the oven as collateral.
Delivery Apps Are Eating Your Profits
DoorDash and UberEats take 30% of every order. That's $4K-$6K a month gone. An $18K investment in your own online ordering system and 3 drivers saves that money from day one. The payback period is 4-5 months.
College Towns Won't Wait for You
That perfect second location near campus? Another pizza shop will take it. Build-out, equipment, and 3 months of working capital run $110K. Your first location proves the model. We capital-stack pizza shop expansions in 21-30 days — term loan against existing revenue, oven equipment, and launch working capital.
Cheese Prices Spike Without Warning
Mozzarella prices can jump 25% in a month. When cheese is 35% of your food cost, that spike hits hard. A line of credit lets you buy in bulk when prices dip and ride out the spikes without cutting portion sizes.
Bobby's Take
Bobby's Playbook for Pizza / Delivery
Most pizza and delivery operators hear 'restaurants are risky' from every bank they walk into. What banks miss is that delivery margin at $14-$28 average tickets plus driver economics and 70% off-premise revenue doesn't behave like the dine-in failure stats they're underwriting against. Specialist lenders who fund pizza shops know to read your daily delivery volume and third-party-platform mix differently. Here's how to position your transaction so the right lenders see it first.
Three things determine whether a pizza and delivery transaction closes: weekly delivery and pickup volume, your third-party delivery (Uber, DoorDash, EzCater) revenue mix, and your driver-staffing or third-party-delivery cost ratio. Not your personal FICO. Not your business age. Specialist pizza lenders care about whether weekly off-premise volume supports a $2,500-$4,500/month payment — and whether your unit economics still work after third-party fees and driver pay.
The biggest mistake pizza and delivery operators make: applying without separating dine-in, pickup, and third-party delivery revenue on their POS reports. Lenders see blended deposits and miss the off-premise concentration that's actually the strongest part of the business. The fix: provide a channel breakdown showing weekly volume by source. Specialist pizza lenders price recurring delivery and pickup as predictable. Generalist lenders treat it like dine-in with seasonal swings.
delivery revenue forfeited when a single oven can't keep pace
Where this gets interesting at scale: a pizza operator opening a second unit or adding ghost-kitchen delivery-only capacity doesn't need ONE loan. They need equipment financing for the new oven and prep line + a working capital line for the launch's marketing and driver staffing + a revenue-based term loan against existing-unit cash flow to cover the buildout. Three products, three lenders, one application — that's how single-shop pizza operators scale to multi-unit groups or hybrid ghost-kitchen operations without losing the existing unit's cash flow.
The pizza and delivery operators who scale fastest aren't the ones who waited for a perfect quarter. They're the ones who had the oven and staffing capacity ready when their delivery volume started outpacing single-unit throughput. Capping orders because you can't keep up costs $40,000-$70,000 a month in unfulfilled delivery revenue going to competitors. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your pizza and delivery business this week.
Bottom line:
Pizza operators get priced like dine-in restaurants when 70% of revenue is off-premise. Show channel breakdown — pickup, dine-in, third-party — and the right lender prices the off-premise concentration as the strength it is.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Pizza / Deliverys Face
Pricing Transparency
What Pizza / Delivery 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 →Pizza shops lose $4K-$6K a month to delivery apps taking 30% per order. An $18K investment in your own ordering system and drivers pays for itself in 4-5 months. That's the kind of ROI math we love helping pizza operators figure out.
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.
Pizza / Delivery Capital Uses
What Pizza / Delivery 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 pizza / delivery 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 Pizza / Delivery 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 Pizza / Delivery 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
Pizza / Delivery Business Loan FAQs
Pizza Shop Loans & Pizza Restaurant Financing — $10K to $20M+
Your deck oven runs 16 hours a day, 7 days a week. When it starts pulling inconsistent temps, every bad pie costs you a customer worth $2K a year. A new Marsal is $22K. Your bank wants to think about it. We don't. 70+ lenders who fund pizza shops based on your deposits. Equipment financing with the oven as collateral. Approved in days.
But here's the bigger problem nobody talks about. DoorDash takes 30% of every delivery order. That's $4K-$6K a month walking out the door. An $18K investment — your own ordering site and 3 drivers — pays for itself in 4-5 months. We've funded $22K oven replacements in a week. $18K in-house delivery setups in 3 days. $110K second-location buildouts near college campuses through revenue-based capital stacking. And when cheese prices spike 25% in a month? A line of credit lets you buy bulk when prices are low. One application, 60 seconds, soft-pull pre-qual.
Stop Letting Slow Tuesdays Drain Your Friday Buffer. Get Your Pizza / Delivery Restaurant Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide