Capital built for restaurant operators
Compare deck, convection, combi, conveyor, rack, and specialty ovens using capacity, labor, energy, and menu economics.
Quick answer
The right oven is a production decision before it is a financing decision. Capacity, recovery time, ventilation, utilities, menu fit, labor, maintenance, and service support determine whether the equipment earns its payment.
Decision matrix
| Option | Best aligned with | Typical process | Watch closely |
|---|---|---|---|
| Equipment financing | New or eligible used oven | Several days or longer | Asset-specific |
| Lease | Upgrade cycles or lower upfront need | Varies | Review end-of-term obligations |
| Dealer financing | Participating equipment dealer | Potentially streamlined | Compare price and financing together |
| Working capital | Small repair or low-cost purchase | Potentially fast | May cost more than asset financing |
Action plan
Decision-quality file
Underwriting is clearer when the requested amount is tied to the specific operating event described on this page—not a rounded maximum. The file should connect dealer quote with equipment specification sheet, then show the date and source of expected repayment.
Present a base case and a downside case. The downside case should assume that the expected cash event arrives later than planned while the proposed payment still begins on schedule. If ordinary operations cannot support that case, reduce the request, change the product, negotiate the underlying expense, or wait.
A strong request answers four questions in plain language: What creates the need? Why is the amount correct? What business event repays it? What happens if that event is delayed?
Offer review
Prepare once
Risk controls
Answer-ready guidance
Some structures can include eligible installation and related costs, but construction-heavy work may require a separate solution.
Use menu fit, throughput, consistency, labor, energy, footprint, ventilation, maintenance, and service support.
It can be when condition, age, service history, parts, warranty, and installed cost are verified.
Authoritative starting points
Product availability, qualification, cost, and timing vary. This page is educational and does not constitute a financing commitment.
Next step
Prime Restaurant Capital focuses on restaurant-specific working capital, equipment, and expansion funding. A complete application allows the request to be evaluated; it does not guarantee approval or a particular funding time.
Review funding optionsApproved 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.