Food & Beverage Loans & Financing

Starting Gate Financial assists restaurants, cafés, bars, and food-service providers in obtaining rapid, adaptable funding for equipment, operations, and expansion. This allows you to concentrate on providing exceptional experiences while we manage the financing

Built for the Food & Beverage Industry

The food industry has unique challenges, from seasonal fluctuations to high upfront costs for equipment and inventory. Generic business loans often don’t fit. SGF specializes in food and beverage business funding designed for your reality. We understand your cycle and offer working capital loans, equipment financing, and SBA loans for restaurants to help you scale smoothly. As a top lender in DFW with national reach, we deliver fast, strategic capital and insights to help you stay ahead in a competitive market. Let’s build a financing plan that supports your journey.

Equipment Financing & Loans

Upgrade your kitchen, add POS systems, or buy new appliances with competitive rates and terms that match your budget.

Expansion & Renovation Funding

Open a new location, refresh your dining space, or franchise your concept with flexible growth capital.

Working Capital for Daily Operations

Manage payroll, buy inventory, cover rent, and handle unexpected costs without straining your cash flow.

The Process

Simple Application

Our simple 15 second online application can get you matched with offers in minutes.

No Minimum FICO

Bad credit? No problem! Most of our top financing options have no minimum FICO.

Larger Amounts

Get matched with the best financing options with the highest funding amount.

Same Day Funding

Our Fintech Speed can get you in and out of Underwriting in just a few hours, and same day funding!

Need Answers? Talk to a Business Financing Advisor Today

Our Business Financing experts are here to assist you every step of the way. Whether you’re in search of your initial loan or weighing several alternatives, our experts will assist you in deciding on the perfect option suited to your unique business requirements. From expanding funding potential to obtaining better terms and reduced interest rates, we’re dedicated to your success. We’ll guide you through the entire process—from application to repayment—seamlessly, professionally, and hassle-free. Let’s begin. We’re waiting for you.

24/7 helpline service

We’re always here to take
your call – 24/7/365

Contact Us Today

To learn more about our suite of food and beverage financing options, contact us today. We’ll be happy to provide you with more details about our loans and help you determine which one makes sense for your practice.

What Do You Need To Qualify?

3+ Months in Business

You can qualify for our top financing options with as little as 3+months in business.

$5,000+ Monthly Gross Sales

The minimum revenue to qualify for financing options are $5,000 per month, or $60,000 in annual gross sales.

No Minimum FICO

We have financing options for all credit profiles. There is no minimum FICO score required to apply.
Testimonials

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Frequently Asked Questions (FAQs)

Common solutions include SBA loans for low rates on large projects, equipment financing for kitchen upgrades, and business lines of credit for flexible working capital.

SGF specializes in fast business funding. Many applicants receive approval within 24 hours and funding in as little as 2-3 days for qualifying applications.

Yes. While traditional banks focus heavily on credit scores, SGF looks at the overall health of your business, including cash flow and revenue, to offer tailored solutions.

Absolutely. We help new food and beverage businesses with startup financing for equipment, leasing, inventory, and operational costs.

We focus exclusively on small businesses and offer industry-specific expertise, flexible terms, and a simple process—backed by local service and national capabilities.