Restaurant Equipment Financing in Saint Paul, MN

Saint Paul 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 Saint Paul restaurants.

Get funded in Saint Paul — see your amount

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

Why Saint Paul restaurants choose us

• Your batches are the application. A 500+ FICO in Saint Paul 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 Saint Paul location.
• Settlement-speed decisions. Most Saint Paul approvals come in 2 to 4 hours and fund the same day — roughly one batch cycle.

What Saint Paul operators put restaurant equipment financing toward

Card volume in Saint Paul 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 Saint Paul

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Saint Paul 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 Saint Paul 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 Saint Paul 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 Saint Paul today

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