Food businesses run on thin margins and daily cash. A business loan can fund the big costs — a kitchen upgrade, a second outlet, interiors — without draining the cash you need for supplies and staff.
Common needs
- Commercial kitchen equipment, refrigeration and exhaust systems
- Interiors and seating for a new or renovated outlet
- A cloud kitchen setup
- Working capital for supplies, rent deposits and staff
- Marketing and delivery-platform growth
What lenders look at
- Sales in your bank account — card, UPI and delivery-platform settlements
- Business vintage and outlet history
- Licences and registrations — FSSAI licence, GST, trade licence
- Rent agreements for outlets
- The owner's credit record
Tips
- Route all payments — dine-in, delivery platforms, catering — to one business account.
- Keep FSSAI and other licences current.
- Plan the EMI for slow months and seasonal dips, not peak weekends.
How to apply with Oxon Fintech
Share your business details once, link your bank account digitally through Account Aggregator, and see offers from our lending partners. Check eligibility and the documents first, and plan the EMI with the business loan EMI calculator.