Lines of Credit for Pizza Shops

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.

By Matthew Elling
Co-Founder and Consultant at Line of Credit Depot
Updated on February 10, 2021
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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


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