Working Capital for Ghost Kitchens & Virtual Restaurants
Ghost kitchens and virtual restaurants run entirely on delivery orders, which means revenue depends on kitchen equipment uptime, platform visibility and delivery logistics rather than a dining room. Working capital helps operators launch a new virtual brand, upgrade kitchen equipment or absorb delivery platform fees between payout cycles.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so ghost kitchens & virtual restaurants never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. Third-party delivery platforms often hold payouts on a delayed schedule while ingredient and labor costs are due immediately.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. Launching a new virtual brand or menu requires upfront marketing and photography spend before that brand generates any delivery orders.
One approval, draw what you need, and return for additional funding as your ghost kitchens & virtual restaurants business performs. With no dine-in revenue to fall back on, a single piece of broken kitchen equipment can eliminate a ghost kitchen's entire income stream.
Fund menu development, photography and platform onboarding for a new delivery-only concept.
Upgrade or add equipment to run multiple virtual brands from one kitchen.
Bridge the gap between order fulfillment costs and delayed platform payouts.
Yes, qualification is based on business revenue and time in business, not on having a dine-in storefront. Ghost kitchens and virtual restaurants qualify the same way a traditional restaurant does.
Working capital has no restriction on use, so many ghost kitchen operators apply it toward launching an additional virtual brand from their existing kitchen. That includes menu development, photography and platform setup.
Working capital gives ghost kitchen operators cash on hand to cover ingredient and labor costs while waiting on a delivery platform's payout schedule. Funds can arrive as soon as the next business day after approval.
Paz funds ghost kitchens & virtual restaurants from $2,500 to $5,000,000. Most ghost kitchens & virtual restaurants qualify for $20,000 - $150,000, based on monthly revenue and time in business rather than collateral.
A US business that has operated for at least six months with $10,000 or more in monthly revenue, your last three months of bank statements and your EIN. The application takes about five minutes, and there is no hard credit pull to get pre-qualified.
Ghost Kitchens & Virtual Restaurants funding, approved in as little as 24 hours