Restaurant Equipment Financing in Santa Rosa, CA

Santa Rosa 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 Santa Rosa restaurants.

Get funded in Santa Rosa — see your amount

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

Why Santa Rosa restaurants choose us

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

What Santa Rosa operators put restaurant equipment financing toward

Card volume in Santa Rosa 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 Santa Rosa

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

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