Capital for your delivery kitchen build-out — Ghost Kitchen Financing
We connect restaurant operators with lenders offering specialized ghost kitchen construction loans to launch or expand delivery-only concepts.
Checking options involves a soft credit pull only.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Commissary kitchen
- Cloud kitchen
- Ventilation hood
- Grease trap
- Point of sale
- Build-out cost
- Equipment lease
- Site selection
Financing solutions for commercial ghost kitchen facility construction and equipment installation in the United States
Financing options matched to your situation, in one place.
- CONSTRUCTION Build-out loans Finance structural renovations and electrical upgrades for your kitchen.
- EQUIPMENT Kitchen asset leasing Lease ovens, refrigeration, and prep tables without depleting cash reserves.
- WORKING Startup capital Secure funding for inventory, payroll, and initial marketing campaigns.
- SBA SBA 7(a) programs Access government-backed loans for long-term commercial real estate needs.
- $50K–$2.5M Available funding range
- 24–48 hours Typical decision timeline
- 1 soft pull Credit impact
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Niche expertise
- Lenders understand the high costs of kitchen-specific plumbing upgrades.
- Our partners prioritize speed to get your delivery concept operational.
Transparent process
- We never charge borrowers for connection services or lead matching.
- Clear breakdown of rates and terms provided before you commit.
Flexible structuring
- Loan terms are adjusted for specific equipment lifecycles and needs.
- Options exist for both new startups and existing restaurant groups.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Lack of brick-and-mortar history
Traditional banks often require physical storefronts to approve loans.
Specialized equipment needs
Commercial kitchen gear has a niche resale value that banks dislike.
Rapid expansion speed
Bank underwriting cycles are too slow for the fast-paced delivery market.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Multi-unit franchise operator
Renovating a warehouse into a central prep facility
Virtual brand startup
Leasing convection ovens and walk-in coolers
Existing restaurant group
Installing ventilation and grease traps
Culinary entrepreneur
Initial marketing and staffing for new launch
Managing your ghost kitchen operations
Explore our guide on kitchen workflow efficiency, energy management, and delivery platform integration to maximize your return on investment.