Ice Machine Down Restaurant Funding

The machine's out and the bar's dead in the water

The Hoshizaki (or Manitowoc, or Scotsman) stopped dropping ice sometime overnight, and now you walked in to warm wells and a bartender who can't build a single drink. No ice means no cocktails, no soda, no iced tea, no cold line for the raw bar, no way to hold your prepped proteins safe. So you did the only thing you could this morning: sent someone to the gas station for pallet bags at $3–$4 a bag, and you're burning through them faster than you can buy them.

Here's the math nobody says out loud. A busy bar goes through 300–500 lbs of ice a day. Bagged ice at retail runs you roughly $0.30–$0.50 a pound — call it $150 to $200 a day just to limp along, and that's before you count the drinks you're not selling because you ran dry at 8pm on a Friday. A compressor rebuild or condenser fix on a commercial machine is often $800–$2,500. A full replacement head unit is $3,500–$7,000+. That's real money you don't have sitting loose mid-month — but every day you wait, the bagged-ice bill and the lost bar revenue eat the difference anyway.

How the funding works — 3 steps

• 1. Apply online in a few minutes. No phone tag. We check with a soft credit pull only, so looking doesn't ding your score. FICO 500+ is fine — we approve on your bank deposits, not your credit.
• 2. Send your last 3 months of business bank statements. That's the whole file. We're reading your deposits to see your real revenue, not chasing tax returns or collateral.
• 3. Get an offer and sign. Submit before early afternoon ET on a weekday with statements in and the offer signed, and funding can hit the same day — in as little as 24 hours. Friday afternoon submissions land Monday.

Who qualifies

• Restaurants, bars, breweries, cafes — any food-and-drink business. This is all we fund.
• Roughly 4–6 months in business with regular bank deposits.
• FICO 500 and up. Past bumps are OK if the deposits are there.
• A business checking account we can read the last 3 months on.

Straight answers

My credit is rough after a slow winter. Am I wasting my time?

Probably not. We approve on deposits, and 500+ FICO clears our floor. The soft pull tells you for sure without touching your score, so there's no downside to finding out.

It's just a repair, maybe $1,500. Is that too small to bother?

No. We fund from $10K, and most owners take a little extra beyond the repair quote to cover the bagged-ice hemorrhage and a service deposit. Better to have the cushion than borrow twice.

Should I repair or just replace the whole unit?

That's your call with your tech — but funding covers either. If your machine is 8–10+ years old and the compressor's gone, a lot of owners put the repair money toward a new unit instead of a rebuild that'll fail again next summer.

How fast can I actually have the money?

As little as 24 hours. Apply and send statements before early afternoon ET on a weekday, sign the offer same day, and funds can land that day. Hit us Friday afternoon and it's Monday — we won't pretend otherwise.

Do I have to get on the phone?

No. The whole thing runs off the online application and your statements. Apply, and we come back to you with a real number.

Every day the machine's down, the bagged-ice bill and the dead bar cost you more than the fix. Apply now and get it running again.