This Is Why You're Here
Why QSR / Fast Foods Come to Us Instead of Their Bank
Your drive-thru system is outdated — new digital menu boards, headsets, and a second lane cost $55K. Drive-thru accounts for 70% of revenue. Every 30-second improvement in speed adds $50K/year.
Your main fryer bank needs replacing — 4 commercial fryers at $8K each. You can't serve half your menu without them and the supplier wants full payment before delivery.
Corporate mandated a remodel. You have 6 months to comply or lose the franchise agreement. Cost: $120K. Revenue supports it but you need financing to meet the deadline.
Your walk-up window AC died in August. You're losing $1,500/day because nobody wants to stand in line in 95-degree heat. Replacement unit is $14K and needs to be installed this week.
You're buying the QSR location next to yours — the owner's retiring and the landlord gave you first right of refusal. Acquisition plus updates is $175K. Combined, the two stores would do $200K/month.
Corporate gave us 6 months to remodel or lose the franchise. $120K project. Basecamp got us approved in 4 days and we finished the remodel 2 months early.
Patricia M., QSR Franchise Operator, Phoenix, AZ
QSR / Fast Food Financing
Get Your QSR / Fast Food 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 QSR / Fast Food Businesses Choose Basecamp
Drive-Thru Upgrades Print Money
70% of your revenue comes through that window. A $55K upgrade — digital boards, dual lanes, better headsets — cuts 30 seconds per car. That's $50K a year in extra throughput. Banks don't understand drive-thru ROI. We do.
Corporate Mandates Have Deadlines
When corporate says remodel by Q3 or lose the franchise, you've got zero room for a bank's 90-day review. We've saved dozens of franchise agreements by funding $120K remodels in under 2 weeks.
Fryer Banks Don't Half-Break
When your fryer bank goes down, half your menu vanishes. You can't sell chicken sandwiches without fryers. That's a $32K replacement you need this week, not next quarter. We fund emergency equipment in 24-48 hours.
Multi-Unit Operators Need Real Scale
If you're running 3-10 QSR locations, you need a lender who'll finance across all of them — not one store at a time. We structure multi-unit packages so you can remodel or equip multiple stores simultaneously.
Bobby's Take
Bobby's Playbook for QSR / Fast Food
Most QSR and fast-food operators hear 'restaurants are risky' from every bank they walk into. What banks miss is that drive-thru cycle economics at a $9 average ticket and 60-100 cars per peak hour doesn't behave like the casual-dining failure stats they're underwriting against. Specialist lenders who fund QSR franchisees know to read your daily transaction count and franchisor-disclosed unit economics differently. Here's how to position your transaction so the right lenders see it first.
Three things determine whether a QSR transaction closes: same-store sales trend, drive-thru speed-of-service metrics, and franchise-system support documentation. Not your personal FICO. Not just your time at the unit. Specialist QSR lenders care about whether existing same-store deposits support a $5,000-$9,000/month payment on a new unit — and whether the franchise brand's national volume supports your specific market site selection through the ramp.
The biggest mistake QSR operators make: applying with same-store data that hasn't been seasonally normalized. The lender sees a December peak and a February dip and assumes volatility, when it's actually a predictable annual pattern. The fix: produce trailing-12-month same-store figures with seasonal commentary. Specialist QSR lenders pattern-match brand-wide seasonality and discount the dips. Banks treat each month as independent and price for the worst.
royalty-attributable revenue forfeited per delayed QSR unit
Where this gets interesting at scale: a QSR operator adding their third or fourth unit doesn't need ONE loan. They need equipment financing for the new kitchen line + a working capital line for franchise-fee deposits and pre-opening payroll + a revenue-based term loan against existing-unit cash flow to cover the buildout. Three products, three lenders, one application — that's how QSR multi-unit operators scale to area-developer status without locking up reserves on a single loan.
The QSR operators who hit area-developer status fastest aren't the ones who waited for the franchisor to push them. They're the ones who had financing pre-structured so they could break ground on the next unit the moment a territory opened. Every quarter you delay opening the next unit costs $80,000-$160,000 in royalty-attributable revenue you don't get back. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your QSR business this week.
Bottom line:
QSR area-developers aren't the ones with perfect FICO. They're the ones who pre-structured financing so they could break ground the moment a territory opened. Franchisors reassign in 90 days.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges QSR / Fast Foods Face
Pricing Transparency
What QSR / Fast Food 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 →QSR operators don't have time to wait — when a fryer bank goes down, half your menu disappears. We funded a $32K equipment replacement for a drive-thru doing $90K/month. Approved Tuesday, equipment installed Thursday.
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.
QSR / Fast Food Capital Uses
What QSR / Fast Food 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 qsr / fast food 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 QSR / Fast Food 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 QSR / Fast Food 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
QSR / Fast Food Business Loan FAQs
Fast Food & QSR Restaurant Loans — $10K to $20M+
Your QSR runs 16 hours a day, pushes 300+ tickets at lunch, and depends on equipment that never stops working. But it does stop. Fryer banks die. Drive-thru systems crash. And corporate just emailed — you've got 6 months to remodel or lose the franchise agreement. Your bank can't even start a review in 6 months. We connect you with 70+ lenders who fund QSR operators fast. As in, approved Tuesday, equipment installed Thursday.
And here's the math corporate doesn't help you with. A $55K drive-thru upgrade — digital menu boards, dual lanes, new headsets — cuts 30 seconds off every car. At 200 cars a day, that's $50K a year in extra throughput. But you need the $55K now. We've funded $32K fryer replacements in 48 hours. $120K franchise remodels in under 2 weeks. $500K multi-unit packages through revenue-based capital stacking. One application, 60 seconds, no hard pull.
Stop Letting Slow Tuesdays Drain Your Friday Buffer. Get Your QSR / Fast Food Restaurant Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide