Equipment, buildout, and working capital financing for restaurant owners — $10K to $2M with repayment aligned to your cash flow.
A full commercial kitchen buildout costs $150K–$500K. A single commercial oven runs $10K–$50K. Combined with deposits, licenses, and initial inventory, opening or renovating a restaurant demands capital most operators can't fund from cash flow alone — and traditional banks rarely understand the food service business model.
Bridgepoint works with lenders who specialize in food service — equipment financing for kitchen buildouts, POS systems, and refrigeration; working capital lines from $10K–$250K for weekly revenue fluctuations; and SBA loans up to $2M for multi-location expansion. Repayment structures align with daily and weekly restaurant cash flow so you're not managing a fixed payment against an unpredictable week.
We also help restaurant owners build business credit to reduce financing costs on future locations — because the second location should cost less to finance than the first.
Commercial ovens, ranges, refrigeration, and hood systems cost $50K–$300K+ per kitchen. Equipment financing spreads those costs over 2–5 years while you generate revenue from day one.
A second location requires $150K–$500K in construction, equipment, and soft costs before opening day. SBA loans and term loans provide the runway to execute the buildout properly.
Staffing up for summer or holiday season means higher payroll weeks before revenue arrives. Lines of credit smooth the gap between hiring and peak revenue.
Food costs are the largest variable expense in a restaurant. Short-term financing and credit lines manage bulk purchasing, supplier deposits, and supply chain disruptions.
Equipment financing for commercial kitchen, POS systems, and refrigeration with terms up to 5 years — equipment serves as its own collateral
Daily and weekly repayment options matching restaurant cash flow — no fixed monthly payment that conflicts with your slowest week
Funding available with as little as 6 months in business and $8K monthly revenue — for operators who are generating but not yet bankable
SBA and term loans up to $2M for multi-location expansion and franchise acquisitions with government-backed terms
Finance commercial ovens, refrigeration, POS systems, and kitchen buildouts. Equipment serves as collateral for easier qualification.
Learn more →Revolving credit from $10K–$250K for payroll, inventory, and weekly operating expenses. Draw when needed, repay as revenue comes in.
Learn more →Long-term government-backed loans up to $2M for new location buildouts, franchise acquisitions, and major capital improvements.
Learn more →Fast capital for seasonal staffing, marketing campaigns, and unexpected repairs with daily or weekly repayment options.
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