Ghost Kitchen Financing Nationwide for Delivery-Only Kitchens, $10K to $5M
📦 Financing Built for Ghost KitchensI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Ghost kitchen financing funds a delivery-only model, the kitchen build-out, the equipment and the ordering tech, without the cost of a dining room or storefront. A ghost kitchen opens faster and cheaper, often running several virtual brands from one space, but banks don’t know what to make of a restaurant with no address customers visit. I match you to lenders who understand delivery-first kitchens.
Ghost Kitchen Financing for Every Part of the Model
Whether you’re building a dark kitchen, equipping a delivery line, or launching new virtual brands, there’s a path built for it. Here’s what ghost kitchen financing commonly covers.
Kitchen Build-Out
Finance the build-out of a delivery-only kitchen, hoods, plumbing, power and layout, in a low-cost back-of-house space.
Cooking and Refrigeration Equipment
Finance the ovens, ranges, fryers and refrigeration that run high-volume delivery output, with the gear as collateral.
Delivery and Ordering Tech
Fund the kitchen display system, delivery-app integration, online ordering and the tech a delivery-first kitchen runs on.
Multi-Brand Launch
Fund the menus, packaging and marketing to run several virtual brands from one kitchen and maximize the space.
Shared-Facility Stall and Fit-Out
Finance a stall in a commissary or shared ghost-kitchen facility, plus the equipment and fit-out to operate it.
Working Capital and Expansion
Cover payroll, packaging and the ramp-up, or fund a second kitchen in a new delivery zone.
An Operator Launched Three Delivery Brands From One Kitchen the Bank Couldn’t Picture
A restaurant operator saw the math on delivery clearly: one low-cost back-of-house kitchen could run three virtual brands at once, no dining room, no front-of-house payroll. But the bank could not picture a profitable restaurant with no storefront and no foot traffic, and it passed.
They called me. I matched them to ghost kitchen financing that funded the kitchen build-out and equipment, with the gear as collateral, plus working capital to launch the brands and the delivery tech to run them. It funded, the kitchen opened lean, and three brands shared one space, far more revenue per square foot than a traditional restaurant.
That’s what the right match looks like for a ghost kitchen. Don’t Beg the Bank! Get funded instead.
How I Fund Ghost Kitchens, the Right Tool for Each Need
Ghost kitchen financing isn’t one product. The right structure depends on whether you’re building, equipping or scaling. I match you to the one that fits, tap any to explore it.
SBA 7(a) Loans
Build or open a ghost kitchen with the build-out and equipment in one loan, often limited money down.
See SBA 7(a)Equipment Financing
Ovens, ranges, refrigeration and the kitchen display system, 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 504Startup Funding
First delivery kitchen with no history? Honest startup paths for a brand-new ghost kitchen.
See startup fundingWorking Capital
Cover payroll, packaging and the ramp-up before delivery orders reach full volume.
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 Ghost Kitchen Financing
Ghost kitchen financing rewards the model’s lower overhead. Because there is no expensive storefront and the kitchen equipment holds value as collateral, the loan is smaller and more approvable than a full-service restaurant. Lenders like delivery-first operators who can show order volume or restaurant experience. A solid plan, decent credit and a down payment go a long way. I qualify deals honestly.
✅ What helps you qualify
- ✔A delivery-first concept and a plan to operate one or more virtual brands.
- ✔A solid delivery concept and decent credit, the foundation lenders want.
- ✔A delivery concept with order volume or restaurant experience behind it.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →Kitchen equipment is financed with the gear as collateral, keeping the loan approvable.
- →Lower overhead than a storefront means a smaller, faster, more approvable 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 Ghost 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 ghost 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 Ghost Kitchen Financing From My Desk
A snapshot of the ghost kitchen financing I match to lenders nationwide, kitchen by kitchen. Every kitchen and brand mix is different, yours starts with a conversation.
Ghost Kitchen Financing · Build-Out
An operator funded a delivery-only kitchen and equipment to run three virtual brands from one space.
Shared-Facility Launch
A new operator financed a stall in a commissary ghost-kitchen facility and the equipment to start delivering.
Second Kitchen
A delivery operator financed a second ghost kitchen in a new zip code to expand its delivery radius.
How I Match Ghost Kitchen Financing to the Right Lender
A delivery-only kitchen is still new to a lot of banks, but the lenders who get it read order volume and lower overhead correctly. I work with many, so I match your ghost kitchen financing to the lender that funds your goal, a kitchen build-out, equipment, a multi-brand launch or a second location, and I review the options with you before you commit.
Here’s the reality for a ghost kitchen. The whole point of the model is doing more with less: a low-cost back-of-house space, no dining room, no front-of-house payroll, and often several virtual brands sharing one kitchen to squeeze more revenue from the same square footage. That lower overhead makes the loan smaller and more approvable than a full-service restaurant, and the kitchen equipment holds value as collateral. The build-out and equipment can run through an SBA loan or equipment financing, while working capital covers packaging and the ramp-up before delivery orders hit full volume. The hurdle is that some banks still can’t picture a profitable restaurant with no storefront, which is exactly why matching you to a lender who understands delivery-first kitchens matters. According to the U.S. Small Business Administration, the 7(a) program is designed precisely for this kind of business startup, equipment and expansion.
The right structure depends on what you’re doing. A build-out usually runs through an SBA 7(a) loan, and broader options live across the SBA loan programs. Ovens, ranges, refrigeration and the kitchen display system 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. Launching a brand-new delivery kitchen points to restaurant startup financing, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me about your delivery concept and your plan, building, equipping or scaling brands, and I’ll tell you honestly which ghost kitchen financing fits, match you to a lender who understands the model, 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 ghost kitchen financing?
Is a ghost kitchen cheaper to finance than a restaurant?
Can I finance running multiple brands from one kitchen?
Can I finance a stall in a shared ghost-kitchen facility?
How much can I borrow for a ghost kitchen?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Ghost Kitchens
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Delivery-first kitchens still confuse a lot of banks, but the lenders who read order volume and low overhead correctly will fund them, and matching you to the right one 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 balk at a restaurant with no storefront to point to. I match you to ghost kitchen financing built for the model … build the kitchen and equip it with the gear as collateral, launch multiple brands from one space, keep your overhead low, 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, kitchen performance, collateral and structure. Ghost kitchen financing generally ranges from $10,000 to $5 million depending on the build-out and need. *Ghost kitchen build-out and startup 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 kitchen’s order volume and equipment 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.