Funding for wholesale food distributors and B2B food operations. Vehicles, warehouse equipment, inventory, accounts receivable financing.
Food distributors operate at the wholesale layer of the food supply chain — buying from producers and selling to restaurants, hotels, institutions, and retail operations. Capital needs are dominated by inventory carrying costs, vehicle fleets for delivery, warehouse refrigeration and storage, and accounts receivable financing (since restaurant customers typically pay net-30 to net-60).
Prime Restaurant Capital funds food distributors across categories — produce distributors, meat and seafood wholesalers, specialty food distributors (ethnic foods, organic/natural), beverage distributors, and broadline foodservice distributors serving multiple categories. Funding ranges from $50K to $1M.
Distribution requires vehicles. Refrigerated trucks for cold-chain products ($60K-$120K each), dry goods trucks ($45K-$80K), specialty vehicles for high-value distribution. Vehicle financing structures these costs over 60-72 months. Multi-vehicle fleet financing is common.
Distribution warehouses require massive refrigeration — walk-in coolers and freezers measured in thousands of square feet, blast chillers for receiving, climate-controlled dry storage, loading dock equipment. Equipment financing for warehouse build-outs structures over 60+ months.
Distributors carry massive inventories — often $100K-$500K+ in active inventory at any moment. Working capital funds inventory expansion, new product line introductions, and seasonal stocking patterns.
Restaurant customers typically pay distributors on net-30 terms. With $200K+ in monthly receivables outstanding at any time, distributors have significant working capital tied up in unpaid invoices. Invoice factoring and receivables-based financing solve this cash flow timing.
Frequently Asked
Yes. Refrigerated trucks are commonly financed over 60-72 months. We finance both new and used refrigerated vehicles.
Yes. Walk-in coolers, blast chillers, and large warehouse refrigeration is financable as commercial equipment.
Yes. Invoice factoring is one of the most common products for food distributors managing B2B receivables.
Specialty distributors qualify equally. Smaller distributors typically use smaller funding amounts but the underwriting and process are the same.
Yes. Beverage distribution (beer, wine, NA beverages, coffee) qualifies under our food distribution programs with similar terms.
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.