Pizza shops run on speed, volume, and equipment that works 16 hours a day. Between $25K deck ovens, delivery fleet costs, and the marketing needed to compete with national chains — pizza operators need capital to keep the ovens hot and the drivers moving.
This Is Why You're Here
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
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
Built for Your Business
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.
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.
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 fund pizza shop expansions through SBA in weeks.
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.
What You're Up Against
| Challenge | What It Looks Like | Funding Solution | Amount | Speed |
|---|---|---|---|---|
| Brick oven installation | Wood-fired oven for artisan pizza upgrade | Equipment Financing | $25K–$60K | 3–5 days |
| Delivery fleet expansion | Adding 4 cars/e-bikes for delivery service | Equipment Financing | $15K–$40K | 3–5 days |
| Franchise fee and buildout | Opening pizza franchise location, fee plus buildout | SBA Loans | $100K–$400K | 30–60 days |
| Dough mixer replacement | Commercial mixer broke, making dough by hand kills production | Equipment Financing | $8K–$20K | 3–5 days |
| Third-party app commissions | DoorDash/UberEats taking 30%, need capital to build direct ordering | Working Capital | $10K–$25K | 1–3 days |
Pricing Transparency
| Product | Amount | Term | Rate | Speed |
|---|---|---|---|---|
| Working Capital | $10K–$2M | 3-18mo | 8-22% APR | 1-3 days |
| Equipment Financing | $10K–$5M | 2-7yr | 5-14% APR | 3-7 days |
| SBA Loan | $50K–$5M | 10-25yr | 6-10% APR | 2-6 weeks |
| Business LOC | $10K–$5M | Revolving | 8-24% APR | 1-5 days |
| Revenue-Based Financing | $10K–$1M | 3-18mo | Factor 1.1-1.4 | 1-2 days |
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 →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, Basecamp Funding - Founder
How It Works
No paperwork avalanche. No bank lobby. No guessing.
Answer a few quick questions about your business. No documents needed yet.
We check your options with zero impact on your FICO. Your score stays untouched.
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
Your funding specialist presents your best options. No spam calls. No runaround.
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Pizza / Delivery Capital Uses
Ovens, fryers, walk-ins, hood systems, POS systems. Upgrade without draining your cash reserves.
Cover payroll during slow weeks. Hire for the busy season. Retain your best staff year-round.
Dining room refresh, patio expansion, bar remodel, second location buildout.
Stock up for busy season. Lock in bulk pricing from suppliers. Never run out of your best sellers.
Social media ads, Google Ads, delivery platform fees, grand opening campaigns, loyalty programs.
Open a new spot, launch a ghost kitchen, or expand into catering. Scale without risking the mothership.
Full Transparency
Most lenders won't tell you this upfront. We will.
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.
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?
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
Click any specialty for tailored financing options.
Recommended Products
Cover payroll, rent, and food costs during slow seasons. Fund same day.
Learn More →Finance ovens, walk-ins, and kitchen equipment with the asset as collateral.
Learn More →Draw funds for inventory and payroll, repay from weekend revenue.
Learn More →Long-term financing for buildouts, renovations, and second locations.
Learn More →FAQs
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 locations near college campuses through SBA. 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, no credit impact.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide