Resources
Restaurant financing resources
Third-party options and education — OS Kitchen does not originate loans or make credit decisions.
Not a lending product
Links below go to third-party providers. OS Kitchen does not guarantee approval, rates, or repayment terms.
Featured resources
- government
U.S. Small Business Administration — Funding programs
Federal small-business loan programs, Lender Match, and disaster assistance resources for restaurant operators in the United States.
U.S. government resource — KitchenOS is not affiliated with the SBA.
Visit resource - education
SCORE — Free business mentoring
Volunteer mentors help operators prepare financial statements and lender conversations before applying for working capital.
Nonprofit mentoring network — not a lender.
Visit resource - lender
FlexCap — Revenue-based financing (US)
Live US revenue-based financing partner for restaurant operators with trailing KitchenOS order history. Compare illustrative terms before sharing your signed revenue export.
FlexCap is a third-party lender — KitchenOS does not guarantee approval, rates, or funding timelines.
Visit resource - lender
Pilot — Revenue-based financing (sandbox)
Beta sandbox for KitchenOS embedded lender offers. Requires explicit consent before sharing your signed revenue export.
Sandbox pilot partner — not a live funding guarantee. Terms and eligibility are set solely by the lender.
Visit resource
Operator education
Working capital vs. equipment financing
Working capital covers payroll gaps and inventory spikes; equipment loans are collateralized by assets. Match the product to the use case before applying.
Revenue-based financing (RBF) basics
Some POS platforms offer advances repaid via daily sales holdbacks. Compare effective APR, holdback percentage, and personal guarantee requirements.
What lenders typically ask for
Trailing sales history, bank statements, time in business, and location count. KitchenOS analytics can help you prepare — export attestation is on the Phase 2 roadmap.
Connect analytics to your application
Use Revenue and Advanced analytics in OS Kitchen to understand gross order volume, cancellation rate, and channel mix before speaking with a lender.
Already on OS Kitchen?
Signed-in owners see a revenue context panel tied to Analytics — still not a lender-certified attestation. Phase 2 signed JSON export is available at Financing resources → Revenue export.
Disclosures
- • OS Kitchen is not a lender, broker, or financial advisor.
- • Links open third-party websites governed by their own terms and privacy policies.
- • Revenue figures shown in your dashboard are operational summaries — not lender-certified attestations.
- • Approval, rates, and repayment terms are determined solely by the financing provider.
- • Consult qualified legal and accounting advisors before signing any financing agreement.
KitchenOS may receive referral compensation from financing partners marked with a referral fee badge. Amounts are disclosed on each partner card before you continue.