Delivery-Only Restaurant Loans
Working capital and equipment loans for restaurants without a dining room — ghost kitchens, cloud kitchens, virtual brands, and commissary-based delivery operations. $50,000 to $1,500,000, sized to delivery-channel revenue.
Who qualifies as a "delivery-only" restaurant?
Any restaurant running revenue through Uber Eats, DoorDash, Grubhub, or direct-order channels without a physical storefront. This umbrella covers ghost kitchens, cloud kitchens, virtual brands operating out of an existing restaurant, and commissary-based delivery operations.
Can I get working capital based on Uber Eats and DoorDash revenue?
Yes — alternative business lenders in our network underwrite directly to third-party platform statements, treating verified payout history as the primary income signal. Typical advance is 60 to 90 days of average platform revenue, funded in 3 to 7 business days.
How do lenders read third-party platform statements?
They look at trailing-90-day payout volume, commission rate, chargeback rate, and the consistency of weekly payouts. A clean payout history with low refund rates and steady volume underwrites better than a higher-revenue kitchen with volatile platform performance — lenders prefer predictability over peak numbers.
Is there bridge funding during commission disputes or chargeback holds?
Yes — bridge financing during platform disputes is a specific use case several working-capital lenders fund. Submit the dispute documentation and recent payout history; deals can fund in 24 to 72 hours when the operator has prior payout volume to underwrite against.
Can the loan cover adding equipment for a new virtual brand?
Yes — adding equipment (a new fryer line, a dedicated prep station, branded packaging fillers) to support a new virtual brand on an existing kitchen is a clean equipment-loan use case. Loans typically run $15,000 to $75,000 per virtual brand added.
What credit profile do delivery-only lenders want?
Established multi-unit operators with prime to mid-prime credit qualify for the best terms; first-time delivery-only operators with mid-prime to sub-prime credit can still qualify when third-party platform history is strong. Lenders want 6 to 12 months of operating runway visible in bank statements.
Frequently asked questions
- Who qualifies as a "delivery-only" restaurant?
- Any restaurant running revenue through Uber Eats, DoorDash, Grubhub, or direct-order channels without a physical storefront. This umbrella covers ghost kitchens, cloud kitchens, virtual brands operating out of an existing restaurant, and commissary-based delivery operations.
- Can I get working capital based on Uber Eats and DoorDash revenue?
- Yes — alternative business lenders in our network underwrite directly to third-party platform statements, treating verified payout history as the primary income signal. Typical advance is 60 to 90 days of average platform revenue.
- How do lenders read third-party platform statements?
- They look at trailing-90-day payout volume, commission rate, chargeback rate, and the consistency of weekly payouts. A clean payout history with low refund rates and steady volume underwrites better than a higher-revenue kitchen with volatile platform performance.
- Is there bridge funding during commission disputes or chargeback holds?
- Yes — bridge financing during platform disputes is a specific use case several working-capital lenders fund. Submit the dispute documentation and recent payout history; deals can fund in 24 to 72 hours when the operator has prior payout volume to underwrite against.
- Can the loan cover adding equipment for a new virtual brand?
- Yes — adding equipment (a new fryer line, a dedicated prep station for a new menu) to support a virtual brand on an existing kitchen is a clean equipment-loan use case. Loans typically run $15,000 to $75,000 per virtual brand added.
- What credit profile do delivery-only lenders want?
- Established multi-unit operators with prime to mid-prime credit qualify for the best terms; first-time delivery-only operators with mid-prime to sub-prime credit can still qualify when third-party platform history is strong. Lenders want 6 to 12 months of operating runway visible in bank statements.
- How quickly can a delivery-only working capital loan fund?
- Working capital loans against platform revenue typically fund in 3 to 7 business days from soft-pull preview to deposit. Equipment loans for new menu lines add 2 to 5 days for equipment-quote verification.
- Does the loan cover marketing spend for a new platform launch?
- Yes — working capital lines include marketing spend (paid placements on Uber Eats / DoorDash, sponsored brand launches, influencer promotions) as a use of funds. Lenders treat it as growth investment rather than operating overhead and typically do not restrict the percentage used for marketing.
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