What does a commercial kitchen cost to fund?
Equipment, ventilation and hood systems, plumbing and electrical work, refrigeration, smallwares, permits and inspections, and the working capital to operate until revenue is steady. Quotes from contractors and suppliers should drive your numbers.
This applies to restaurant kitchens, ghost kitchens, commissaries and catering operations. The structure of the funding is similar, but timelines differ, so plan for how long it takes the kitchen to earn.
| Cost | Fits | Why |
|---|---|---|
| Ovens, hoods, refrigeration | Equipment financing | The equipment backs the financing |
| Space build-out and renovation | Build-out loan | A longer term suits a lasting improvement |
| Payroll, food, first months of rent | Working capital | Flexible, sized to the gap |
| Larger purchases or a second site | SBA loan | A longer term, with more documentation |
How do I size the request?
Add equipment and build-out quotes, then add enough working capital to cover the weeks before the kitchen reaches steady sales. Then check the payment against a slow week, not an average one.
Delays are common in kitchen projects, from inspections to equipment lead times. A small buffer keeps a delayed opening from becoming a cash problem.
What should I compare in offers?
Total repayment in dollars, the term, how often payments are due, and any fees. Equipment financing is usually tied to the specific purchase, while working capital is more flexible but can carry a different cost.
If you are adding a feature such as a pickup window or serving quick-service customers, see quick-service restaurants.
Updated October 24, 2026 · Prime Kitchen Capital Funding Team
Frequently asked questions
Can I finance used kitchen equipment?
Often yes, depending on the seller and age. Have the invoice ready.
Can I fund a ghost kitchen?
Eligibility depends on time in business and revenue. Apply with your real figures.
Do I need a build-out loan and equipment financing?
Many kitchens use both, since they cover different costs on different timelines.
Does applying commit me to an offer?
No. You can review and decline.