Restaurant Equipment & Renovation Financing

Most operators spend between $25,000 and $500,000 on equipment and renovations. Specialty retail with light prep work lands at $25K to $75K. A coffee bar or QSR with a real kitchen lands at $75K to $200K. A full-service restaurant with hood, walk-in, and significant buildout typically lands at $200K to $500K. Founderpath sizes capital to match the actual quotes.

Commercial kitchen equipment, walk-in coolers and freezers, POS and back-office tech, contractor labor and renovation buildout, signage and exterior upgrades, and furniture, fixtures, and specialty equipment. Capital is delivered as a single facility and the operator decides allocation across line items.

Funding offers come within 24 to 48 hours of connecting your data (POS, bank, accounting). Wires typically land within four weeks — fast enough to lock in equipment quotes that often expire in 30 days. Bank or SBA equipment loans run 60 to 90 days from application to wire.

Yes. Equipment replacement is one of the most common uses of this capital. The Founderpath bar is $250,000 in annualized revenue and 12 or more months of operating history — replacing a failed walk-in cooler or upgrading a 10-year-old POS qualifies just as readily as a brand-new buildout.

No. Founderpath does not put a lien on individual pieces of equipment. Bank and SBA equipment loans typically file a UCC-1 against the equipment itself, which can complicate future financing and operating leases. Founderpath capital is structured against business cash flow, not against specific assets.

Repayment is a fixed percentage (typically 5% to 12%) of weekly revenue. Total payback is capped at a fixed multiple, usually 1.1x to 1.3x of the principal. There are no fixed monthly payments and no prepayment penalties — useful when the new equipment drives faster revenue growth than expected.

No. Founderpath does not require personal guarantees on equipment and renovation capital. Repayment is tied to the operating business’s revenue, not the founder’s personal assets — a meaningful difference from SBA 7(a) and most equipment-secured term loans.

Yes. Toast, Square, Lightspeed, and Clover migrations are routinely funded — including the kitchen display systems, online-ordering integration, and inventory tools that ship alongside the POS hardware. POS work typically lands in the $5,000 to $40,000 range as part of a broader equipment facility.

Three differences. First, structure: Founderpath is a percent of weekly revenue, not a daily POS deduction that hits cash flow before payroll. Second, cost: a 1.1x to 1.3x cap is dramatically cheaper than the 14% take-rate Toast and Square charge daily. Third, size: Toast and Square cap most equipment advances at $50K to $100K — Founderpath funds up to $500K for renovations alone.

$250,000 in annualized revenue at the operating location, with at least 12 months of operating history. Most funded operators sit between $500,000 and $5,000,000 in revenue.

Yes. Many operators consolidate an outstanding equipment loan, equipment lease, Toast Capital balance, or merchant cash advance into a single Founderpath facility — and add new equipment funding on top. Refinance plus expansion is one of the most common deal structures.

Repayment slows with revenue. Because payback is a percent of weekly revenue (not a fixed monthly payment from day one), a slower install or permit timeline simply extends the payback period — the cost cap stays the same. Founderpath only gets paid when the equipment is helping you generate revenue.