Working Capital for Meal Prep & Food Delivery
Meal prep and food delivery businesses buy ingredients and pack orders in bulk days before a customer ever opens the box, all while managing delivery logistics and third-party platform fees. Working capital covers ingredient purchasing, packaging and delivery vehicle costs between subscription billing cycles.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so meal prep & food delivery never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. Ingredients for a week's worth of meals must be purchased and prepared in bulk before subscription revenue for that cycle is fully collected.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. Delivery vehicles, drivers and packaging materials add a logistics cost layer that a dine-in restaurant never has to carry.
One approval, draw what you need, and return for additional funding as your meal prep & food delivery business performs. Third-party delivery platform commissions can take a significant cut of each order before the business sees the remaining revenue.
Buy proteins, produce and packaging in bulk ahead of each prep cycle.
Cover delivery vehicles, insulated bags and driver payroll.
Expand commissary kitchen space or packaging equipment to handle more orders.
Yes, qualification is based on your overall monthly revenue and time in business, regardless of whether that revenue comes from subscriptions, one-time orders or delivery platforms. Most meal prep businesses qualify with $10,000 or more in monthly revenue.
There is no restriction on use, so meal prep and delivery businesses commonly apply working capital toward vehicles, packaging and ingredient purchasing. You decide where the funds go after approval.
Fixed daily or weekly payments are sized to your revenue pattern, and underwriting reviews your actual bank statement history rather than assuming a flat monthly cycle. That structure fits businesses with recurring but uneven billing dates.
Paz funds meal prep & food delivery from $2,500 to $5,000,000. Most meal prep & food delivery qualify for $15,000 - $100,000, based on monthly revenue and time in business rather than collateral.
A US business that has operated for at least six months with $10,000 or more in monthly revenue, your last three months of bank statements and your EIN. The application takes about five minutes, and there is no hard credit pull to get pre-qualified.
Meal Prep & Food Delivery funding, approved in as little as 24 hours