Funding for food manufacturers, co-packers, and CPG food businesses. Production equipment, packaging lines, warehouse capacity, working capital.
Food manufacturing operates at industrial scale — producing packaged food products at volume for retail distribution, foodservice channels, or contract manufacturing for consumer brands. Capital intensity is significant: production lines run $100K-$1M+, packaging equipment $50K-$300K, warehouse/cold storage measured in thousands of square feet, and accounts receivable financing for the typical 30-60 day payment terms from retail and distributor customers.
Prime Restaurant Capital funds food manufacturers, co-packers (manufacturing for other brands), and CPG food businesses producing their own branded products. Funding ranges from $50K (single equipment purchase) to $1M (production line expansion or facility upgrade).
Food manufacturing production lines combine multiple specialized pieces of equipment: mixers, cookers, fillers, packagers, sealers, and quality control equipment. A complete production line for ready-to-eat foods runs $200K-$1M+. Equipment financing structures over 60-84 months due to the long useful life of industrial equipment.
Packaging is often a separate capital line. Bottle filling lines, jar packaging, vacuum-pack equipment, retort packaging for shelf-stable products, labeling machines, case packers, palletizers. Modern automated packaging lines can run $300K-$800K.
Food manufacturers require massive cold storage capacity — often dedicated walk-in coolers and freezers, blast chillers for rapid product cooling, climate-controlled dry warehouse, raw material storage, and finished goods staging. Equipment and renovation financing combine for warehouse build-outs.
Retail customers (grocery chains, club stores) typically pay net-30 to net-60. Foodservice distributors pay similarly. With significant monthly invoicing outstanding, food manufacturers benefit from invoice factoring or receivables-based working capital.
Frequently Asked
Yes. Full production line financing is structured as equipment financing, often with draw schedules tied to installation milestones.
Yes. Co-packers (manufacturing for other brands) qualify equally to CPG food manufacturers producing their own brands.
Yes. Compliance equipment, certification fees, and food safety infrastructure are all fundable through working capital or equipment financing.
No. Retail customer concentration is fine. Some lenders prefer diversified customer bases, but we underwrite based on overall revenue and accounts receivable health.
Facility expansion projects typically run $300K-$1M+. We can fund up to our $1M maximum directly; larger projects often combine our funding with other capital sources.
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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.