The oven dies on a Friday night. The walk-in stops cooling before a delivery. Every hour without equipment costs you sales. Here is how restaurant owners pay for it.
If the repair is cheap and the equipment is young, repair it. If it breaks often, uses too much energy or parts are hard to find, replacing it usually costs less over time. Ask your technician for both numbers before you decide.
Your monthly sales, how long you have been open, your credit, and the price and type of equipment. A quote from the vendor speeds everything up.
Tell us what broke. We compare banks, equipment lenders and fast-funding partners, and bring you the offers side by side, so you choose with the full picture, not under pressure.
Tell us what you need. A concierge calls you back. See also: Emergency funding.
Alternative lenders can often fund in as little as 24–48 hours. Bank and SBA equipment loans cost less but usually take weeks.
Often yes. Some lenders finance used equipment, usually with shorter terms.
No. Because the equipment serves as collateral, equipment financing is often available to owners with less than perfect credit.
General information, not financial or legal advice. Dracarys Finance LLC is a commercial finance broker, not a lender. All credit decisions and terms are set by third-party lenders and investors.
Two minutes. No obligation. Your concierge calls you back.
Your team has to be paid on time. Miss payroll once and you can lose the people who keep the restaurant running. Here are the realistic options.
Read the guide →A low score, past defaults, even a bankruptcy. Many owners think the door is closed. It usually is not. It is just a different door.
Read the guide →Fast funding solved a problem once. Now the daily or weekly payments take a slice of every day’s sales. There is often a way out.
Read the guide →