Cover food, staff and rentals while you wait on client payments. Apply in about five minutes with three months of bank statements.
Get Working CapitalCatering Working Capital
Catering costs land before the final invoice clears. Working capital keeps the kitchen stocked and the staff paid through busy and quiet months alike.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and about three months of statements. No tax returns required.
FICO 500+ considered. Deposits matter as much as your score. Sole proprietors can apply.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer up front, so you can budget around events.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Ask any caterer where cash gets tight and the answer is usually the same: the weeks between booking a big event and collecting the final payment. Deposits help, but they rarely cover the full cost of food, staff, rentals and transport. Add a slow January or a corporate client that pays on long terms, and even a profitable operation can feel squeezed.
Working capital is a lump sum you can put toward whatever the business needs right now. It is not tied to a single purchase, which makes it useful for the mix of costs that catering involves.
| Need | Why it comes up |
|---|---|
| Food and beverage orders | Buying in bulk for a busy month |
| Event staff | Payroll lands before client payments clear |
| Rentals and supplies | Tents, chafers, linens, glassware |
| Marketing | Bridal shows, tastings, new website |
| Slow months | Rent and utilities when bookings dip |
For off-season planning, see catering slow season funding and the catering cash flow guide.
We start with a 5-minute application and about three months of business bank statements. No tax returns are required. The first credit check is a soft pull, and FICO 500+ is considered. Sole proprietors can apply.
We look at how deposits come in across your busy and quiet weeks, plus any obligations you already carry. Those two things drive the amount we can offer. Funding ranges from $25,000 to $5,000,000 for established businesses with steady deposits.
Working capital is a flexible starting point, but it is not the only option. If you want to draw only when needed, look at a business line of credit for catering. For ovens, warmers or a new van, equipment financing keeps the funding tied to the asset. If card sales are a big part of revenue, a merchant cash advance may fit.
We work with established catering businesses that have steady deposits: full-service event caterers, corporate drop-off caterers, wedding specialists and businesses that run catering alongside a restaurant or food truck. If client payments land in your business account month after month, we can review your file quickly.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. Your offer shows the full repayment amount and schedule before you accept. Start your application today.
Yes. Many caterers use working capital to cover staff during heavy event months when client payments have not cleared yet.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
We focus on about three months of business bank statements and a short application. Your offer lays out all the details before you accept.
Seasonality is normal in catering. We look at your deposit pattern as a whole rather than judging a single slow month.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
A few simple moves can strengthen your catering company's application.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding