Pizza restaurants are a uniquely scalable restaurant category. Strong unit economics (food cost typically 25-30%, lower than most categories), high throughput potential, well-understood operations, and three viable revenue streams (dine-in, takeout, delivery). Whether you're running a Neapolitan pizzeria with a $20K wood-fired oven, a New York slice shop, or a multi-unit delivery-focused operation, pizza demands specific capital.
Prime Restaurant Capital funds pizzerias of every type — independent neighborhood operators, regional chains, franchise pizzerias (Domino's, Papa John's, Pizza Hut, Marco's, Jet's), and emerging concepts. Funding structures include equipment financing for ovens and dough systems, working capital for inventory and labor, and expansion capital for additional units.
Pizzeria-Specific Capital Needs
Pizza Ovens
The single largest equipment investment for any pizzeria. Options range widely: deck ovens ($8K-$25K), conveyor ovens for high-volume operations ($15K-$45K), wood-fired ovens for Neapolitan/artisan concepts ($15K-$50K including masonry), brick ovens ($25K-$80K). Equipment financing structures over 36-60 months at preferred rates.
Dough Production Systems
Serious pizzerias produce dough on-site daily. A complete dough system includes industrial mixers ($3K-$15K), dough sheeters and dividers ($5K-$15K), proofing cabinets ($3K-$8K), refrigerated dough storage. A full dough room build-out runs $25K-$60K.
Delivery Vehicles and Driver Operations
Pizzerias with significant delivery business need vehicle financing — branded delivery vehicles, e-bikes for urban delivery, or driver compensation systems. We finance vehicles directly or fund working capital that can be deployed toward driver hiring and retention.
Multi-Unit and Franchise Expansion
Pizza is one of the most franchisable restaurant categories. Initial franchise fees ($25K-$60K), build-out ($150K-$400K), and equipment ($75K-$150K) for a single new unit total $250K-$600K. Multi-unit operators receive preferred terms.
Pizzeria Funding Qualifications
- Operating pizzeria in the US — minimum 6 months
- Monthly revenue $15K+ (most pizzerias we fund do $30K-$200K monthly)
- Credit score 500+ accepted
- Active POS system showing transaction volume
