Your walk-in is done — not a gasket, not a fan motor, the whole unit. Get $15K–$60K to cover the new cooler plus install, approved on your deposits, funded in as little as 24 hours.
You already sank money into this walk-in — a new fan motor last spring, a couple of gasket jobs, a low-refrigerant call that came back two weeks later. Now the tech is standing in your kitchen telling you the compressor is shot, the coil is corroded through, or the panels have rotted at the base, and there's no point patching it again. You need a whole new unit.
That's not a $900 repair. A replacement walk-in with a new condensing unit and professional install runs $15,000 to $60,000 depending on size, whether it's indoor or outdoor, and if you're swapping the box or just the refrigeration system. Meanwhile you're renting reach-ins, tossing product, and cramming inventory into a prep cooler that was never meant to hold your whole line. Every day the box is dead, you're bleeding money and your menu is shrinking.
This is capital for a full walk-in cooler replacement — new unit plus install — not a repair loan. If the cooler is still fixable, you want the repair page. If it's beyond saving, keep reading.
Sized for a full replacement: the box, the condensing unit, and professional install — not just a service call.
Statements in and signed before early afternoon ET on a weekday? Same-day funding is on the table. Friday afternoon lands Monday.
Your sales carry the approval. Soft pull to check, FICO 500+ OK, no collateral for working capital.
We fund restaurants and nothing else, so we already understand walk-in downtime and why you can't wait two weeks for a bank.
Say your outdoor 8x10 walk-in freezer's condensing unit seizes for good. The quote comes in at $38,000 for a new matched system plus a full install with a new slab-mounted condenser and evaporator. You apply Tuesday morning, your statements show steady deposits from a busy dinner service, and you're approved that afternoon. You sign, funds land, and your contractor is scheduled before the weekend rush. You didn't drain your operating cash or beg the bank for a term loan that takes three weeks to underwrite.
Who qualifies: restaurants doing consistent deposits through a business bank account, roughly 6+ months in operation, FICO 500 and up. Full-service, quick-service, bars, cafes, food trucks with a fixed commissary — if you run a restaurant and the sales are there, you're in the conversation.
Replacement. This is for when the walk-in is beyond fixing and you're buying a whole new unit plus install. If a tech can still repair yours, use the repair financing instead — it's a smaller, faster amount.
Both. The funding is working capital that goes into your account, so you use it for the new cooler, the condensing unit, the electrical, the pad, and the install labor — whatever the full project costs.
No. Checking is a soft pull, so it has zero effect on your score. We're looking at your bank deposits to approve, not your credit report.
Probably, yes. FICO 500+ is workable because the decision is driven by your deposits and sales volume, not your score. Bad credit alone doesn't disqualify you.
As little as 24 hours. If your statements are in and you sign before early afternoon ET on a weekday, same-day funding is possible. Get it done Friday afternoon and it funds Monday.
Not for working capital. You don't have to pledge the new cooler or other equipment to get funded.
A dead walk-in doesn't wait, and neither should your funding. Apply online, let your deposits do the talking, and get the capital to replace the unit and cover the install — often within a day.
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Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Start Your ApplicationApproved on your revenue, not just your credit. Start your 1-minute application.
Apply NowWe 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.
Before you go
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
START MY 1-MINUTE APPLICATIONNo obligation · takes about a minute