Why bundle repairs?
One service visit for several items can reduce trip charges, one planned shutdown limits downtime, and one funding request is simpler than several.
Scheduling repairs during a slow day or closed day minimizes impact on service.
Ask technicians for a combined quote.
How do I build the list?
Walk the kitchen with your chef and a technician, list every issue, and prioritize safety and failure risk.
Include preventive items like gaskets and coil cleaning; they prevent bigger failures.
Keep a running repair log on the kitchen office wall or in a shared document, with the date each issue was noticed. Small problems like a dripping faucet or a loose shelf are easy to ignore during service but cost money over time in water, energy and wear.
Review the list monthly with your chef. When it reaches a meaningful total, schedule a bundled repair day. This habit turns repairs into planned spending instead of emergencies, which keeps funding needs predictable and smaller.
How much should I request?
The combined quote plus a buffer for surprises found during repairs.
A small buffer avoids a second request if a tech finds another issue.
| Step | Action | Benefit |
|---|---|---|
| Walkthrough | List all issues | Full picture |
| Prioritize | Safety and failure risk | Right order |
| Combined quote | One visit | Lower trip charges |
| Schedule | Slow or closed day | Less downtime |
Worked example: a spring repair bundle
A restaurant averaging $90,000 in monthly deposits bundles gasket replacements, an oven door repair, a faucet, coil cleaning and a fan motor into one $11,000 project on a closed Monday. Using an illustrative factor rate of 1.20, $11,000 would mean $13,200 repaid over roughly 4 months: 84 daily payments of about $157.
That works out to about $3,300 a month, or 3.7% of the $90,000 this business deposits monthly, and the total cost of the money is $2,200. One planned day of work prevents several mid-service failures.
For comparison, repaying the same $13,200 over 2 months would lift the monthly outlay to about $6,600, or 7.3% of deposits, and whether the faster payoff is worth that bigger payment depends on how steady your slow months are.
| Average monthly deposits | $90,000 |
|---|---|
| Amount funded | $11,000 |
| Factor rate (illustrative) | 1.20 |
| Total repaid | $13,200 |
| Cost of the funding | $2,200 |
| Term | about 4 months |
| Daily payment (84 payments) | $157 |
| Payments as a share of deposits | 3.7% |
Who this fits
Usually a fit
- Kitchens with a backlog of repairs
- Owners planning a slow-day project
- Operators preventing failures
When to hold off
- Kitchens without a repair list
- Owners with reserves
- New kitchens without deposit history
What you’ll typically need
- Recent business bank statements
- Combined repair quote
- Business details
Frequently asked questions
Can one funding amount cover many repairs?
Yes; working capital can cover all of them.
Should I include preventive maintenance?
Yes; it reduces future failures.
How long does approval take for a bundled repair day?
Requests to fund a bundled repair day usually get a decision the same day when the file is complete, and funding commonly follows in a business day or two.
Can lower credit still get a bundled repair day covered?
Often, yes. A kitchen owner with a score from 500 can apply for a bundled repair day, and as credit improves the offers generally get better.
Repair list growing?
Apply and bundle it.
Updated October 6, 2026