Commercial Kitchen Financing Nationwide for Commissaries and Shared Kitchens, $10K to $5M
🏭 Financing Built for Commercial KitchensI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Commercial kitchen financing funds the heavy infrastructure of food production, the real estate, the hoods, grease traps, floor drains, three-phase power and walk-ins, whether you’re building a commissary for your own operation or a shared kitchen you rent to food trucks, caterers and delivery brands. The build-out is expensive and a bank stumbles on it. I match you to lenders who fund production kitchens and commissary real estate.
Commercial Kitchen Financing for Every Part of the Build
Whether you’re building a production kitchen for your own business or a commissary you rent to others, there’s a path built for it. Here’s what commercial kitchen financing commonly covers.
Real Estate Purchase or Build
Buy or build the production facility itself with long-term, fixed-rate financing, often SBA 504, so you own the dirt.
Hoods, Drains and Power
Finance the heavy infrastructure, exhaust hoods, grease traps, floor drains and three-phase power a production kitchen needs.
Walk-Ins and Equipment
Finance walk-in coolers and freezers, prep lines and the cooking equipment that fill out a working production kitchen.
Shared Commissary Build-Out
Build a commissary with multiple licensed stalls to rent to food trucks, caterers and delivery brands.
Tenant Fit-Out and Expansion
Finance the fit-out for rental tenants, or expand an existing commissary to add stalls and capacity.
Working Capital and Acquisition
Cover the lease-up ramp before tenants fill the space, or acquire an existing commissary kitchen.
An Operator Built a Commissary and Now Collects Rent From a Dozen Food Brands
An operator saw the demand: a city full of food trucks, caterers and ghost-kitchen brands all needing a licensed kitchen, and nowhere to cook. The plan was to buy a warehouse and build a shared commissary with rentable stalls. The build-out ran heavy, and the bank balked at a concept it had never financed, even with a waiting list of tenants.
They called me. I matched them to commercial kitchen financing that combined an SBA 504 real estate loan for the warehouse with build-out and equipment financing for the hoods, drains, power and walk-ins. It funded, the commissary opened, and the operator now collects steady rent from a dozen food brands, owning both the real estate and the recurring income.
That’s what the right match looks like for a commissary. Don’t Beg the Bank! Get funded instead.
How I Fund Commercial Kitchens, the Right Tool for Each Need
Commercial kitchen financing isn’t one product. The right structure depends on real estate, build-out or equipment. I match you to the one that fits, tap any to explore it.
SBA 504 and Real Estate
Buy or build the production facility itself, long-term, fixed-rate financing so you own the building.
See SBA 7(a)Equipment Financing
Hoods, walk-ins, cooking lines and refrigeration, with the equipment itself as collateral.
See equipment financingSBA 504 and Real Estate
Own the building your kitchen operates in with long-term, fixed-rate commercial real estate financing.
See SBA 504SBA 7(a) Loans
Bundle build-out, equipment and working capital to open or acquire a commercial kitchen.
See SBA 7(a)Working Capital
Cover the lease-up ramp before rental tenants fill every stall in the commissary.
See working capitalLine of Credit
Revolving capital for the ups and downs of running a kitchen, draw only what you need.
See lines of creditQualifying for Commercial Kitchen Financing
Commercial kitchen financing is anchored by hard assets: real estate and heavy equipment that hold value as collateral. For a commissary you rent out, signed tenant leases or a waiting list are provable income a lender can underwrite, much like any income property. An operator with a solid plan, decent credit and a real-estate or tenant story has strong options. I qualify deals honestly.
✅ What helps you qualify
- ✔A plan to build or buy a production kitchen, for your own use or to rent out.
- ✔A real-estate or tenant story and decent credit, the foundation lenders want.
- ✔A real-estate purchase or signed tenant leases the lender can value.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →SBA 504 finances the real estate long-term and fixed-rate, often limited money down.
- →For a rental commissary, signed tenant leases are provable income that strengthens the deal.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A past bank rejection does not disqualify you; the deal and your credit matter more.
Get Your Commercial Kitchen Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your commercial kitchen financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Commercial Kitchen Financing From My Desk
A snapshot of the commercial kitchen financing I match to lenders nationwide, kitchen by kitchen. Every kitchen project is different, yours starts with a conversation.
Commercial Kitchen Financing · SBA 504
An operator bought a warehouse and built a rentable commissary, real estate plus build-out funded together.
Production Kitchen Build-Out
A caterer financed hoods, drains, power and walk-ins to build a licensed production kitchen of its own.
Commissary Expansion
An owner financed an expansion to add rentable stalls as tenant demand outgrew the original space.
How I Match Commercial Kitchen Financing to the Right Lender
A production kitchen sits between commercial real estate and food service, which is exactly where a generalist bank loses the thread, but the right lender reads it clearly. I work with many, so I match your commercial kitchen financing to the lender that funds your goal, real estate, heavy build-out, equipment or a rental commissary, and I review the options with you before you commit.
Here’s the reality for a commercial kitchen. The build-out is the expensive part: hoods, grease traps, floor drains, three-phase power and walk-ins turn a plain warehouse into a licensed production space, and that infrastructure runs well beyond a normal tenant improvement. There are two distinct deals here. If you’re building a kitchen for your own catering, wholesale or multi-concept operation, the real estate goes on an SBA 504 loan, the build-out and equipment on 7(a) or equipment financing. If you’re building a shared commissary to rent stalls to food trucks, caterers and ghost-kitchen brands, it behaves like an income property, signed tenant leases or a waiting list become the cash flow a lender underwrites, much like flex-industrial real estate with hoods. If you’re building the kitchen as the base for a new food concept rather than a rental, that often pairs with restaurant startup financing for the operating side. Either way you end up owning a hard asset. According to the U.S. Small Business Administration, the 504 and 7(a) programs are designed precisely for this kind of real estate, equipment and expansion financing.
The right structure depends on what you’re doing. The real estate usually runs through an SBA 7(a) loan, and broader options live across the SBA loan programs. Hoods, walk-ins, cooking lines and refrigeration are best matched to equipment financing, where the equipment is the collateral. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. Building a delivery-only kitchen instead points to ghost kitchen financing, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me what you’re building, a production kitchen for yourself or a commissary to rent out, and I’ll tell you honestly which commercial kitchen financing fits, match you to the lender most likely to approve it, and stay with you through closing. Other food businesses, see my restaurant financing hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is commercial kitchen financing?
Can I finance a shared commissary I rent to others?
How do I finance the heavy build-out and hoods?
Should I own or lease the building?
How much can I borrow for a commercial kitchen?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Commercial Kitchens
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Commercial kitchen lending sits between real estate and food service, and matching you to a lender who can fund both the building and the heavy build-out, whether for your own use or a rental commissary, is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll stumble on a build-out and a concept they’ve never financed. I match you to commercial kitchen financing built for production infrastructure … own the real estate through SBA 504, fund the hoods and heavy build-out, rent stalls if you want recurring income, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, real estate and tenant performance, collateral and structure. Commercial kitchen and commissary financing generally ranges from $10,000 to $5 million depending on real estate and build-out. *Commercial kitchen real estate and build-out are commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acqloans underwritten on the real estate and tenant leases rather than the borrower’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.