Fast Financing for
Canadian Restaurants
Restaurants need capital fast — not in 4 weeks. lendflo finances Canadian restaurants for kitchen equipment, renovations, seasonal working capital, second locations and more. fast decisions. Bad credit welcome.
Decision
Fast
Amount
$5K–$2M
Min. Credit
500+ (RBF: None)
Why Restaurants Choose lendflo
Why Canadian Restaurants Need Financing
Restaurants have unique capital needs — unpredictable, urgent, and often larger than banks can process quickly.
Kitchen Equipment Upgrade
Replace aging equipment before repairs cost more than financing would. Ovens, refrigerators, hoods, dishwashers — financing available for all commercial kitchen equipment.
Second Location
Growth requires fast capital. A 4-week bank approval process kills lease opportunities. lendflo funds your expansion in days, not months.
Seasonal Working Capital
Bridge the gap between slow January and patio season. Revenue-based repayments flex with your Monday lunch revenue.
POS & Technology Systems
Upgrade your point-of-sale system, online ordering, inventory management. Technology is deductible and financeable.
Health Inspection Compliance
CFIA compliance upgrades and health inspection failures can't wait for a bank timeline. Emergency financing available quickly.
Food Truck & Mobile Catering
Vehicle and equipment financing for food trucks and mobile food service. New or used — lendflo finances both.
Restaurant Equipment Financed in Canada
Virtually all commercial restaurant equipment is financeable through lendflo. The equipment itself serves as collateral — no personal property or real estate required.
We Speak Restaurant
Banks don't understand slow Mondays, patio season, LLBO compliance, or CFIA inspection timelines. lendflo finances restaurateurs who understand these realities.
Slow Mondays
Revenue-based — payments flex with your revenue
Patio Season
Pre-season working capital available
Health Inspection
Emergency financing quickly
Second Location
Term loan or equipment financing
January Slump
Payment flex on revenue-based products
Restaurant Financing Products
Equipment Financing
$10K – $500K
Term: Up to 84 months
Equipment is the collateral. 0% down available. New and used qualify. CCA deduction applicable (Canada's equivalent of Section 179).
Working Capital Loan
$5K – $250K
Term: 3–18 months
Slow season, payroll, inventory, unexpected expenses. Revenue-flex repayments — built for restaurant cash flow seasonality.
Revenue-Based Financing
$5K – $250K
Term: Flexible
No credit score minimum. Payments are a fixed % of monthly revenue — perfect for restaurants with variable weekly revenue.
Restaurant Term Loan
$25K – $2M
Term: 6–60 months
Expansion, renovation, buying an existing restaurant, or opening a second location. Fixed payments, predictable costs.
FAQ — Restaurant Financing Canada
We’re here to simplify your business financing journey, so you can feel confident every step of the way.
Apply free through lendflo. Receive competing lender offers quickly. Requirements: registered Canadian restaurant, 6+ months operating, $10K+/month revenue. Funded shortly after accepting an offer.
All commercial kitchen equipment: refrigerators, ovens, grills, hoods, dishwashers, POS systems, bar equipment, furniture, delivery vehicles, food trucks. New and used equipment qualify.
Yes. lendflo approves Canadian restaurants based on monthly revenue. Credit scores from 500+ considered. Revenue-based financing has no credit score minimum.
Revenue-based financing is ideal — repayment is a % of monthly revenue, so payments automatically decrease during slow periods. Working capital loans bridge the gap between slow and busy seasons.
Through lendflo, fast decisions, funding quickly. Banks take 2–4 weeks. lendflo is built for restaurant speed.
Yes. lendflo finances food trucks and mobile food service — both the vehicle and the equipment. New and used vehicles qualify. Revenue-based products work well for food trucks with variable location revenue.
Still have questions?
No obligation, just answers.
Restaurant Capital, Fast
Apply free. Soft credit check only. Competing offers quickly. Funding quickly.
What you need to apply through lendflo
Most lenders in the network look for these basics.
- A registered Canadian business — in any province or territory.
- Time in business — at least 6 months of operation.
- Revenue — around $10,000 a month or more.
- A Canadian business bank account — that is valid and in use.
- Recent bank statements — usually three to six months.
- Credit — scores from 500 are considered; revenue and cash flow count too.
People also ask
It depends on revenue, time in business, credit and the product. Through lendflo, term loans run from $25,000 to $2,000,000, equipment financing from $10,000 to $500,000 and working capital from $5,000 to $250,000. Lenders size an offer to what your revenue can repay.
Through lendflo, most applicants get a fast decision, and funds typically arrive shortly after approval. Speed depends on the lender and on how complete your documents are, so have recent bank statements ready before you apply.
Most lenders ask for three to six months of business bank statements, your business registration, identification, and the amount and purpose of the loan. Equipment loans add a supplier quote, and larger amounts may need recent financial statements or tax filings.
There is no single cutoff. Banks usually want good credit, while alternative lenders in lendflo’s network consider scores from 500 and weigh revenue and cash flow heavily. A higher score generally means better terms, so check your credit report for errors before you apply.
Terms explained
What is equipment financing?
Equipment financing is a loan or lease used to buy business equipment such as vehicles, machinery or technology. The equipment itself usually serves as the lender’s security, which makes approval easier and can keep the down payment low. Through lendflo it runs from $10,000 to $500,000, with terms up to 84 months.
See in the glossaryWhat is working capital?
Working capital is the cash a business uses for day-to-day costs such as payroll, rent, inventory and supplier bills. A working capital loan bridges the gap between paying those costs and getting paid by customers. Through lendflo it is based mainly on recent revenue rather than collateral.
See in the glossaryWhat is a business line of credit?
A business line of credit is a revolving credit limit: you borrow what you need, repay it, and borrow again, paying interest only on the balance you use. It suits ongoing swings in cash flow better than a one-time purchase, which a term loan handles better.
See in the glossaryTopic guide
Part of the guide: Financing by industry
How financing works for restaurants, trucking, construction, farms, clinics, retail, manufacturing and tech.