Capital built for restaurant operators
Protect food inventory and service continuity while comparing repair, rental, used, and new equipment.
Quick answer
A refrigeration failure is both an equipment emergency and a food-safety event. Operators must secure inventory, document temperature control, obtain a diagnosis, and compare downtime—not merely the equipment price.
Decision matrix
| Option | Best aligned with | Typical process | Watch closely |
|---|---|---|---|
| Repair financing or working capital | Repairable existing unit | Potentially fast | Best when remaining life is supportable |
| Equipment financing | New or qualifying used system | Several days or longer | Asset-specific |
| Vendor financing | Participating refrigeration contractor | Varies | Compare total cost and warranty |
| Temporary cold storage | Protect inventory during repair | Immediate rental when available | Bridge—not permanent solution |
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 technician diagnosis with repair and replacement quotes, 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
Consider repair frequency, compressor and envelope condition, refrigerant, energy use, downtime, warranty, and remaining useful life.
Depending on the product, eligible equipment, delivery, installation, and related costs may be included; confirm in the agreement.
Protect food safety, move inventory if necessary, document temperatures, and call a qualified refrigeration professional.
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.