Working capital for caterers.
You front the food, staff, and rentals for a big event long before the client pays you back. Serving caterers nationwide.
We know how catering businesses really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
How each option works
The programs our lending partners actually offer businesses like yours. Not sure which one? Check your options and we'll match the structure to the deal.
Working Capital Loan
Money for payroll, stock, and the slow months.
See terms & details →Restaurant Equipment Financing
Hoods, coolers, ovens — financed, not bankrolled.
See terms & details →Business Line of Credit
Draw what you need, when you need it.
See terms & details →SBA 7(a) Loan
The most flexible SBA loan there is.
See terms & details →Want the full picture first? Get a free Capital Position Report — where your business stands and what it likely qualifies for.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeYou pay for events before clients pay you.
The fair fixFast funding to cover food, rentals, and staff up front while you wait on invoices.
The squeezeWedding season demands more gear fast.
The fair fixWorking capital for warmers, tents, and vans so you can book the whole season.
The squeezeA slow winter drains your reserves.
The fair fixInterest-only options for the off-season so fixed payments flex when bookings drop.
What caterers use it for
Put the capital where it moves the needle most.
Chafing dishes & warmers
Refrigerated vans & trailers
Tents, tables & linens
Event staff payroll
Bulk food purchasing
Commercial kitchen space
Related industries
Businesses with a similar cash-flow rhythm, and the financing we see them use.
Tools and guides for caterers
Run the numbers
Compare side by side
Guides & related financing
From our insights
What it takes to qualify
Most operators here start with business capital — but if you're financing property or equipment, that path qualifies differently.
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Real Estate & Assets
- Credit generally 620+ (equipment) to 640+ (rental property)
- Equity or down payment — typically up to ~75% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your catering business?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
