Funding for catering operations. Vehicles, equipment, working capital for the time gap between booking and payment. Built for invoice-based businesses.
Catering operates on a fundamentally different cash flow pattern than dine-in restaurants. You book events months in advance, you spend significant money on inventory and labor in the days before the event, you bill the client after the event, and you wait 30-90 days for payment. This creates a chronic cash flow crunch even for highly profitable catering operations.
Prime Restaurant Capital understands catering economics. Our funding programs include working capital for event prep, invoice factoring for receivables, equipment financing for catering vehicles and serving equipment, and lines of credit for event-by-event flexibility. We fund corporate catering, wedding catering, social event catering, and specialty catering operations.
Large catering events require significant upfront cash outlay: ingredient purchases (sometimes $5K-$50K for a single event), additional labor hiring, equipment rentals, vendor deposits. Working capital bridges this between booking deposit and final payment.
Catering operations need transportation: refrigerated vans for hot/cold food transport, cargo vans for equipment, branded vehicles for visibility. Vehicle financing structures these costs over 48-72 months. Catering operations with multiple events simultaneously need fleet capacity.
Caterers invest heavily in serving equipment: chafing dishes, serving trays, plateware, glassware, table linens, portable cooking equipment, decor. A complete catering equipment package supporting 100-person events runs $25K-$80K. Equipment financing keeps working capital free.
When corporate clients pay net-60, your cash is locked up. Invoice factoring lets you sell those receivables for immediate cash (80-90% of invoice value within 24 hours). The factor collects from your client; you get paid immediately. This is often more cost-effective than working capital loans for catering operations.
Frequently Asked
Yes. Event-specific working capital for one-time large events ($30K-$150K) is a common product. Funded fast, repaid as event payment comes in.
Often yes. Factoring is typically more cost-effective than working capital loans for catering operations with consistent invoicing patterns.
Yes. Refrigerated vans, cargo vans, and branded catering vehicles are all financable with terms up to 72 months.
Wedding catering is typically May-October heavy with light off-season. We average over 12 months and structure funding to accommodate the seasonal pattern.
Yes. Many of our funded operations have both dine-in and catering revenue. We can structure funding around either revenue source.
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Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Approved on your revenue, not just your credit. Start your 1-minute application.
We are not a generic small-business lender. Prime underwrites restaurants only — and we fund the way you actually operate.
Every concept — full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.