Working capital for prepackaged meal shops.
Steady prep, cold storage, and packaging all demand cash before the week's meals sell through. Serving prepackaged meal shops nationwide.
We know how meal shops 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.
Restaurant Equipment Financing
Hoods, coolers, ovens — financed, not bankrolled.
See terms & details →Working Capital Loan
Money for payroll, stock, and the slow months.
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 squeezeCold storage and packaging costs add up fast.
The fair fixFast funding for coolers and sealing equipment so every batch stays fresh and ready.
The squeezeGrowing subscriptions outrun your kitchen.
The fair fixWorking capital to scale prep space and staff as your order count climbs.
The squeezeBulk ingredient buys tie up your cash.
The fair fixFixed, predictable payments to buy in bulk without a daily debit draining your account.
What shop owners use it for
Put the capital where it moves the needle most.
Refrigeration & cold storage
Sealing & packaging machines
Bulk ingredient orders
Prep kitchen space
Delivery & logistics
Labeling & branding
Related industries
Businesses with a similar cash-flow rhythm, and the financing we see them use.
Tools and guides for prepackaged meal shops
Run the numbers
Compare side by side
Guides & related financing
From our insights
What it takes to qualify
Most deals here are secured by equipment, trucks, receivables, or property — but if you need cash-flow financing, that path qualifies differently.
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
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
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your meal shop?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
