Equipment Financing for Restaurant Businesses in Minnesota
Running a Restaurant business in Minnesota means your equipment is your revenue engine. SMB Capital Funding finances the assets your business depends on — based on your revenue history, not just a credit score.
SMB Capital Funding is a direct lender — we underwrite and fund in-house, with no brokers and no middlemen. Programs range from working capital and revenue-based financing to equipment loans and merchant cash advances, with capacity up to $20 million. If your Restaurant business in Minnesota has consistent monthly deposits, you likely qualify — regardless of credit history.
Common cash flow pressures for Restaurant owners
- Your equipment failed and you can't serve customers until it's replaced — but the repair or replacement cost hits now, not when your next invoice pays.
- A growth opportunity requires equipment you don't own. The window is short. Your cash position isn't.
- You're renting equipment on a per-job basis. Buying would cut costs and let you take on more work — but the upfront cost is the problem.
- Outdated equipment is slowing production and costing you bids to better-equipped competitors.
- Banks want perfect credit and collateral you'd rather keep free. Your business revenue should be enough to qualify.
What Equipment Financing from SMB Capital Funding covers
- Preserve cash flow — spread equipment cost over time
- Finance new or used equipment
- Approvals based on business revenue, not collateral alone
- Fast decisions — as little as 24 hours for qualified applicants
- Funding up to $20M
Banks typically require two or more years in business, strong personal credit, and weeks of documentation review. SMB Capital Funding underwrites on your revenue history — three months of bank statements is usually enough to get a real answer.
Whether you're operating in Minneapolis, Saint Paul, or Rochester, or anywhere else in Minnesota, SMB Capital Funding funds Restaurant businesses statewide — decisions based on your revenue, not your zip code.
Ready to move forward?
Fill out the form above or call us directly. No obligation. All credit profiles considered.
Get Equipment Financing →Questions Restaurant owners ask us
Can I finance used equipment?
Yes. Both new and used equipment qualify. Equipment up to 20 years old may be eligible — age and condition are reviewed by a specialist.
I own equipment outright. Can I cash out against it?
If you own titled equipment with no existing lien, you may be able to access up to approximately 50% of its value as working capital — subject to underwriting review. A specialist will confirm.
How fast can I get funded?
Same-day decisions are available for qualified applicants. Most businesses receive funds within 24–48 hours of approval.
What credit score do I need?
We accept scores from 500. Monthly revenue and time in business are the primary qualifiers.
Do I need collateral beyond the equipment itself?
Most programs use the financed equipment as primary collateral. A specialist will confirm terms for your situation.
Funding Options for Restaurant Businesses in Minnesota
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SMB Capital Funding is a DBA of CHC Capital Group. All funding products are subject to underwriting approval. Rates, terms, and availability vary based on business revenue, time in business, and creditworthiness. Funding as fast as same day is available for qualified applicants only and is not guaranteed. Not available in all states. This is not an offer of credit.