The Best Lines of Credit for Pizza Shops

Funds readily available through a line of credit are essential for preparing and handling unexpected expenses.

Truly amortized product, where you only pay interest on money that is drawn from line.

Unsecured programs, no collateral needed, up to $250,000.

Annual Interest Rates are Prime (8.5%) + 0% to 2%.

How much do you need to access?
*FREE to Apply & NO credit check
Approvals Up To
Terms as low as
WSJ PR + 0% -2%
Approvals as fast as
With access to affordable capital our pizza shop clients can expand and achieve success for their business

Grow Your Business with a Line of Credit.

Funds that are Available When You Need Them Most.

Pizza Shops often require large sums of money upfront or in advance which may not be possible without proper financing arrangements.

Find the Best Option

A Quick and Easy Process from Start to Finish.

Finding the perfect line of credit facility is now easy! We work closely with you every step of the way to ensure everything goes smoothly.

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How Line of Credit Depot Works:

To qualify for a line of credit, your pizza shop should have demonstrated profitability on the most recent filed business tax return. This showcases your ability to afford payments after drawing funds from the line of credit. Even if your last tax return shows net losses, you may still be eligible.

Certain expenses (non-taxables) on the return can be "added back"
to the net profit amount, bringing your business to a qualifying requirement.

Examples of expenses that may be added back in are certain interest paid on borrowed money and depreciation expense incurred by use of equipment or real estate owned by company's members other than owner/officer/partner who is requesting loan.

Truly amortized product, where you only pay interest on money that is drawn from line.
Unsecured programs, no collateral needed, up to $250,000.
Annual Interest Rates are Prime (8.5%) + 0% to 2%.
Monthly payments with interest only options
How much do you need to access?
*FREE to Apply & NO credit check
Recent Success Story
New Jersey Pizza shop takes off because of Line of Credit Depot
Tony is an ambitious restaurateur in Harrison, New Jersey who fulfilled his dream of managing a profitable pizza shop, thanks to the commercial financial support from Line of Credit Depot.

In 2023, ever increasing food and labor costs can lead to business stagnation. Tony understood this as he saw this need for affordable business working capital.

The $150,000 business line of credit gave Tony the financial adaptability required to operate his pizza shop. It catered to his various monetary needs, from procuring ingredients to equipment maintenance and marketing his expanded menu.

The credit line greatly impacted Tony's enterprise. It allowed him to consistently secure high-quality ingredients, leading to customer satisfaction. Additionally, the line of credit provided Tony the means to invest in a new marketing plan to draw in new customers and better market to current regulars. He was able to launch advertising campaigns and offer special promotions, ensuring a steady flow of orders.

The line of credit's key advantage was the ability to seize opportunities. With additional money, Tony could make-up for higher operational costs by increasing his top line revenues.

We provide the Pizza Shops industry with bank-level financing

Streamline the process by filling out a simple online application. Say goodbye to lengthy paperwork and complex forms.
Our team of financial experts is dedicated to understanding your unique needs. We'll work closely with you to define the perfect financing option tailored to your business requirements.
Receive a range of offers from our trusted network of lenders. Take your time to evaluate and compare the options available. Choose the one that aligns perfectly with your goals and vision.
Experience the joy of quick and efficient funding. Within just a few days, your business will have the financial boost it needs to thrive. It's that simple!

"See if you qualify before you apply. Answer a few questions about your business to get a pre-approval."

Matthew Elling
Small Business Financing Expert & Founder of Line of Credit Depot
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Pizza is one of America’s favorite foods, eating an astounding 3 billion pizzas per year. To put it in perspective, according to the Food Network, the average American eats more than 6,000 slices of pizza in his or her lifetime! Similar to other food services, pizzerias need the ability to keep up with demand. This means that supplies and staff need to be constantly ready to go when orders come in. 

Lines of Credit are available for Pizza Restaurants and most owners don’t apply for a line of credit before they actually need it. Think about it, you have to get insurance before you need it. The same goes for a line of credit. This is an interesting dynamic. For example, what would you rather do; 1. Borrow an expensive short term emergency loan when your freezer breaks, or 2. Already have access to a business credit line and finance the new freezer from this facility. Obviously option #2 is the best path!

Pizzerias are approved by our vast network of banks for lines of credit. Applicants can expect anywhere from 5% to 8% interest rates per year on money that is drawn from the line. These lines are revolving credit lines, which means that you only are charged interest on what you draw and then as you pay off the debt, the credit to the line is restored. 

Unexpected costs, like most restaurants, often create financial challenges in the pizza industry.

Variable costs and fixed costs of running a pizzeria is probably one of the best reasons to get a line of credit. With ingredients and utilities becoming more and more expensive, pizzeria owners need to have access to cash. Variable costs like cheese for pizza and labor will change each month, so will power needs. Fixed costs like rent and equipment depreciations can be calculated ahead of time, but the variable costs is where a pizza place owner may need access to a line of credit. 

Don’t get burned by expensive MCA or quick ‘next day cash’ loans. Be prepared for anything with a line of credit. To check to see if your Pizzeria is approvable, apply here