Business Financing for Restaurants & Food Service
Equipment, expansion, working capital — we match restaurants with lenders who understand the food industry and move fast.
The daily grind that steals your time
These frustrations aren't just annoying—they're costing you money, clients, and peace of mind.
Equipment costs eat into your margins
A commercial oven runs $20K–$80K. Walk-in coolers, fryers, POS systems — outfitting a kitchen is a six-figure investment before you serve a single plate.
Seasonal cash flow leaves gaps
Summers are packed, January is dead. But rent, payroll, and suppliers don't take a season off. You need capital that works with your cash flow cycle.
Second locations require serious capital
Your first location is profitable and you're ready to grow. But the build-out, equipment, and pre-opening costs for location two can run $250K–$500K.
Banks take months to approve
Traditional bank loans can take 60–90 days. By then, the lease is gone, the equipment is sold, or the opportunity has passed.
What if you could eliminate all of this?
Real work, not just conversation
Breakwater doesn't just match you with lenders—we guide the entire process. Here's how we help your business.
Equipment Financing
Finance ovens, refrigeration, POS systems, and kitchen equipment with terms designed for restaurants. Use the equipment as collateral.
Working Capital
Bridge seasonal cash flow gaps, cover payroll during slow months, or stock up on inventory before peak season.
SBA Loans
Access SBA 7(a) and 504 loans with lower down payments and longer terms. We guide you through the full application process.
Expansion Funding
Finance second locations, renovations, and build-outs. Get the capital you need to grow without draining operating cash.
Seasonal Credit Lines
Revolving lines of credit that flex with your business cycle. Draw when you need it, pay down when revenue picks up.
Revenue-Based Financing
Repayments tied to your daily sales. When business is slow, payments adjust down. No fixed monthly burden.
Custom capabilities can be configured for your specific workflow
“We needed equipment financing fast to open our second location. Banks wanted 90 days. Breakwater matched us with a lender in 2 days and we were funded in 10. The new location opened on schedule.”
— Restaurant Owner
Austin, TX
Ready to transform your restaurant & food service?
Book a free consultation. We'll assess your financing needs, show you your best options, and give you a clear path forward.
15-minute call · No commitment · See exactly what's possible