The Pinch Points
Why Pizza & Delivery Operators Come to Us Instead of Their Bank
Pizza is bracketed by two cash pressures — the ovens up front and the delivery platforms that take a cut and pay on a delay. Sound familiar?
The Oven Investment
Deck, conveyor, or brick ovens run $20K–$80K — the most important piece of equipment in a pizza operation, and the one that sets capacity.
The Delivery-Platform Squeeze
Third-party platforms take 15–30% and pay on a delay; running delivery through them means carrying the gap and the fees on every order.
The Throughput Build-Out
A kitchen built for volume — prep line, makeline, walk-in, POS — runs $80K–$250K before the first pie.
The Multi-Unit Model
Pizza scales on units; running several means food cost, labor, and delivery overhead carried against a brand growing faster than its cash.
The Delivery-Fleet & Tech
In-house delivery means vehicles, insurance, and dispatch tech — or platform dependence; either way it's cost carried on thin per-order margins.
Adding a Unit or Buying a Shop
A new unit or acquiring another pizzeria is a $200K–$1.2M move that won't wait on a slow approval queue.
What an operator said
“Between the platform fees and a second oven we needed for volume, we were squeezed at both ends. Financing the oven and a working line to carry the delivery float let us add a second location — we're keeping more of every order now.”
T. Marino · pizzeria · Cleveland, OH
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Pizza & Delivery Operators
Equipment Financing With §179
Finance the ovens, makeline, and kitchen build-out; the equipment is the collateral, and §179 writes off the gear the year it's in service.
Working Capital Through the Platform Gap
An unsecured, revenue-based working line carries the operation through the delivery-platform fees and payout delays on a thin per-order margin.
Capital for In-House Delivery
Financing the delivery vehicles and dispatch tech lets you build an in-house fleet and keep the margin the platforms take.
Revenue-Based Multi-Unit & Acquisition Capital
Add a unit or acquire a pizzeria on revenue-based, capital-stacked financing — not an SBA queue.
Match Your Situation
The Cash-Flow Gaps We Fund for Pizza & Delivery Operators
Match your situation to the structure. Every one of these funds on the restaurant's revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Ovens + delivery | Banks won't fund ovens and a delivery operation | Equipment & Revenue-Based | $75K–$5M+ | 3–7 days |
| Platform squeeze | Platforms take a cut and pay on a delay | Working Capital | $75K–$5M+ | 1–3 days |
| Thin margins | Pizza margins are thin and made on volume | Revenue-Based Financing | $75K–$5M+ | 1–3 days |
The Products
How Pizza & Delivery Financing Is Structured
Most pizza files fund between $75K and $5M+, structured to the ovens and the working capital in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Equipment Financing | $75K–$5M+ | 3yr–7yr | Ovens, makeline, walk-in, build-out | 3–7 days | Equipment serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | Platform fees and payout delays | 1–3 days | Often unsecured, revenue-based |
| Business LOC | $75K–$5M+ | Revolving | In-house delivery and dispatch tech draws | 1–5 days | Unsecured line, no PG by default |
| Revenue-Based Financing | $75K–$5M+ | 6mo–24mo | Adding a unit or acquiring a pizzeria | 1–3 days | Repays as a share of daily card sales |
Tax Strategy
Section 179 on the Ovens & Kitchen — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Pizza is one of the best business models in food — high margins on the product, built for volume and delivery — but it's bracketed by two cash pressures: the ovens and kitchen that cost real money up front, and the delivery platforms that take a third of the ticket and pay you on a delay. The operators who build multi-unit pizza brands finance the equipment and bridge the platform gap instead of letting either one cap their growth. We fund the ovens — §179 returns roughly $48,840 on $132K — and the working capital that carries the platform fees and the delivery float. Fire the ovens, run the volume, and keep more of every order working for you instead of the platform.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a pizza & delivery file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Pizza & Delivery Restaurant Financing
An Equipment-and-Volume Business, Squeezed at Both Ends
Pizza is an equipment-and-volume business — deck or conveyor ovens that run five figures, a kitchen built for throughput with a makeline and walk-in, and a delivery operation where third-party platforms take 15–30% and pay on a delay. It scales on units, so running several means food cost, labor, and delivery overhead carried against a brand growing faster than its cash. In-house delivery means vehicles, insurance, and dispatch tech; platform delivery means the fees and the gap. Banks won't fund the ovens and the delivery operation; the volume doesn't wait.
One Application, 70+ Lenders
We fund pizza operations on the restaurant's revenue, not a perfect credit file — equipment financing for the ovens, makeline, and build-out with §179 on the gear, a working line through the delivery-platform fees and payout delays, and capital for an in-house delivery fleet and dispatch tech. Adding a unit or acquiring a pizzeria stacks revenue-based instead of an SBA queue. One application, 70+ lenders, soft-pull review.
Common Questions
Pizza & Delivery Financing — Questions, Answered
Yes — equipment financing covers the ovens, makeline, and build-out; §179 writes it off the year in service.
Yes — an unsecured, revenue-based line carries the platform fees and payout delays.
Yes — financing the vehicles and dispatch tech lets you keep the margin the platforms take.
Signed application, four months bank statements, P&L, balance sheet, two years returns; losses → four months statements. Soft credit pull only — zero FICO impact to see your range.
Yes — stacked revenue-based on the operation, not an SBA 7(a) loan.
Recommended Funding