Merchant Cash Advance for Ghost Kitchen
Manu helps ghost kitchen owners across the United States get matched with the right lender — fast. Pre-qualify in minutes through Manu's partner application — access a 75+ lender network with real, competitive offers, no hard credit check.
How ghost kitchen businesses use this financing
Common uses of funds:
- Commercial cooking lines, hood systems, and refrigeration units
- Multi-brand delivery app onboarding and packaging
- Commissary lease build-out and station partitions
- Working capital for delivery commission and labor
Typical loan size: Most ghost kitchen loans fall between $40K and $400K, with multi-station commissary build-outs running $500K to $1.2M.
Seasonality: Ghost kitchens follow delivery demand peaks in winter and rainy months and around major sporting events, with lighter volume during warm-weather dine-out periods.
Most common reason for decline: Lenders most often decline ghost kitchens with razor-thin margins after delivery-app commissions, limited operating history, or no physical storefront for collateral.
Best-fit products for ghost kitchen: Equipment Financing, Working Capital Loans, Revenue-Based Financing.
Capital use cases for ghost kitchen businesses
- Multi-brand kitchen build: Owners borrow $40K–$200K via equipment financing to outfit cooking lines, hoods, and refrigeration for several delivery brands, repaid over 3–5 years as order volume scales.
- Delivery launch capital: A $30K–$100K working capital loan funds packaging, app onboarding, and staffing across multiple virtual brands, repaid over 12–24 months from rising delivery sales.
- Commission-fee bridge: A $25K–$75K revenue-based advance covers delivery-app commissions and labor during ramp-up, repaid as a fixed share of daily order revenue.
Funding options for ghost kitchen businesses
Why Ghost Kitchen owners choose Manu
How ghost kitchen business loans work with Manu
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Other funding options for ghost kitchen businesses
Frequently asked questions
What kind of business loans can Ghost Kitchen owners qualify for?
Through Manu's partner application, ghost kitchen owners can access small business loans ($10K–$10M), SBA 7(a) and 504 loans ($50K–$5M), business lines of credit, equipment financing, merchant cash advances, accounts receivable financing, and inventory lines. Terms are tailored to your revenue and time in business.
How fast can a Ghost Kitchen business get funded?
Lines of credit and merchant cash advances can fund the same day for qualifying ghost kitchen businesses. Small business loans and equipment financing typically fund in 1–3 business days. SBA loans take 4–10 weeks due to government underwriting.
What credit score do I need for Ghost Kitchen financing?
Minimum FICO depends on the product: equipment financing starts at 550, small business loans at 580, lines of credit at 600, and SBA loans at 660. Merchant cash advances and accounts receivable financing have no minimum FICO — they're underwritten on revenue and receivables instead.
Will applying hurt my credit score?
No. Pre-qualification uses a soft credit check that does not affect your credit score. A hard pull only happens if you accept a final offer from a lender.
What documents do Ghost Kitchen businesses need to apply?
To pre-qualify, you'll share basic business information plus your most recent 3 months of business bank statements. To finalize an offer, most lenders ask for 3–6 months of bank statements in total. Larger loans may also require tax returns or financial statements.
Sources & references
Loan-product criteria, funding-speed ranges, and credit-score thresholds on this page are validated against current lender requirements and the following primary sources: