Restaurant Equipment Financing in Napa, CA

Napa restaurants running Toast, Square, Clover or any card processor can access $25,000 to $5,000,000 in restaurant equipment financing — underwritten on your card batches and daily settlement rather than credit alone (FICO 500+), with approval in 1 to 3 days. Restaurant Equipment Financing funds new or used kitchen equipment with the equipment as collateral. You don't need an existing loan or advance to qualify — this is straight first-position capital for Napa restaurants.

Get funded in Napa — see your amount

Two-to-four-hour decisions. Same-day funding. No obligation. Apply Online →

Why Napa restaurants choose us

• Your batches are the application. A 500+ FICO in Napa clears when the card settlement is steady.
• No processor switch required. First-position funding that sits alongside the POS you already run.
• $25K to $5M. A new line of terminals, or the capital to open a second Napa location.
• Settlement-speed decisions. Most Napa approvals come in 2 to 4 hours and fund the same day — roughly one batch cycle.

What Napa operators put restaurant equipment financing toward

Card volume in Napa is the clearest read on a restaurant there is — it shows covers, average ticket and the swing between a Tuesday and a Saturday. Operators put the capital into:

• Buy or replace ovens, ranges, and fryers
• Add a walk-in cooler or freezer
• Upgrade the line
• Outfit a second location

How it works in Napa

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Napa restaurants are funded the same day. Requirements: FICO 500+, 6+ months in business, and $10,000+ in monthly revenue.

Common questions

How fast can a Napa business get funded? Most approvals come in 2 to 4 hours, with same-day funding once you're approved.

Do I need an existing loan or advance? No. This is first position, and a Napa operator with no open advances and clean batches gets the strongest terms.

What credit score do I need? 500+ FICO is accepted. Underwriting reads your card settlement and deposit history, not the score on its own.

Get restaurant equipment financing in Napa today

Funding that moves at the speed of your Napa batches — approved on sales, funded the same day. Apply Now ⚡