From batch freezers to adding a production kitchen, a food truck or a second shop, Rainstar Capital Group connects ice cream and frozen yogurt shop owners with commercial financing built around a short, intense summer season.
Ice cream and frozen yogurt shops can earn much of their annual revenue in a few warm months. Owners need to prepare inventory and staff before summer, then stretch cash through the off-season. Between a short, intense summer season and the cost of freezer equipment, ice cream and frozen yogurt shop owners need capital that fits the way their business actually works, not a one-size-fits-all loan.
The right financing turns those pressures into opportunities. It lets ice cream and frozen yogurt shop owners invest in batch freezers, dipping cabinets, soft-serve machines and walk-in freezers, keep dairy, toppings and packaging on hand and pursue growth such as adding a production kitchen, a food truck or a second shop, without draining the cash that keeps daily operations running.
We work with ice cream parlors, frozen yogurt shops, gelato stores and creameries, and we structure every request around the realities of your cash cycle, from a short, intense summer season to the equipment and space you need to grow.
Ice cream shops make people happy, and we love being part of that. The challenge is a short summer season with year-round rent, and our lines of credit carry owners through the off-season so they're stocked and staffed when the first warm weekend hits.
Every ice cream and yogurt store business hits cash-flow pressure points. Here is how lines of credit and the right loan structures turn each one into an opportunity.
Revenue rises and falls with a short, intense summer season, but fixed costs like payroll and rent stay the same.
How financing solves itA business line of credit covers slow periods and is repaid when sales pick up, so you only pay interest on what you use.
Batch freezers, dipping cabinets, soft-serve machines and walk-in freezers are expensive to buy and maintain, and when they fail, revenue stops.
How financing solves itEquipment financing spreads the cost of freezer equipment over its useful life, uses the equipment as collateral and preserves your cash.
Keeping dairy, toppings and packaging on hand requires significant capital, especially ahead of busy periods or when suppliers offer volume pricing.
How financing solves itInventory financing and short-term working capital let you stock up strategically without starving the rest of the business.
Opportunities like adding a production kitchen, a food truck or a second shop require capital up front and take time to pay back.
How financing solves itTerm loans and SBA 7(a) loans provide longer repayment schedules that match the payback of growth investments.
Rising rent on your shop location can erode margins at every renewal, and landlords may not renew on your terms.
How financing solves itCommercial real estate loans and SBA 504 financing help you buy your property, lock in occupancy costs and build equity.
Most revenue arrives in summer, while rent and loan payments continue year-round. For ice cream and frozen yogurt shop owners, that pressure can slow growth or force hard trade-offs.
How financing solves itA line of credit covers off-season expenses and is repaid during the busy months. Payments are structured around your cash cycle, so you can keep operating with confidence.
From commercial real estate and equipment to inventory, factoring and business lines of credit, we match ice cream and yogurt store owners with the product that fits the need.
Flexible, revolving capital for payroll, supplies and seasonal gaps. Draw what you need and pay interest only on what you use.
Fund dairy, toppings and packaging so you never miss a sale or a supplier deal.
Capital repaid as a share of card sales, so payments track your season.
Finance batch freezers, dipping cabinets, soft-serve machines and walk-in freezers, new or used, often with little money down.
Purchase, refinance or expand your shop location with long-term fixed or variable options.
Government-backed loans with longer terms for acquisitions, real estate, equipment and refinancing.
A lump sum for adding a production kitchen, a food truck or a second shop, repaid on a predictable schedule.
Capital repaid as a percentage of sales, so payments flex with your revenue.
A short application and a few recent bank statements are usually enough to start.
We shop your request across our lender network and walk you through the terms side by side.
Choose the offer that fits and put the capital to work in your ice cream and yogurt store business.
Ice cream and frozen yogurt shop owners commonly use business line of credit, inventory financing, working capital / revenue-based funding, equipment financing, commercial real estate and SBA 7(a) & 504 loans. The right mix depends on what you're funding, how quickly you need it and how long you've been in business.
Yes. Equipment financing covers batch freezers, dipping cabinets, soft-serve machines and walk-in freezers, both new and used. The equipment typically serves as collateral, which can make approval easier and keeps your cash free for operations.
Most revenue arrives in summer, while rent and loan payments continue year-round. For ice cream and frozen yogurt shop owners, that pressure can slow growth or force hard trade-offs. A line of credit covers off-season expenses and is repaid during the busy months. Payments are structured around your cash cycle, so you can keep operating with confidence.
Working capital and lines of credit can fund in days. Equipment financing often takes about a week. SBA and commercial real estate loans take longer because of underwriting and appraisals.
Not necessarily. Lenders look at cash flow, time in business, collateral and credit together. We start with a soft review where possible so you can see your options before anything affects your score.
Practical articles for ice cream and yogurt store owners on cash flow, equipment, real estate and growth capital.
Tell us what you're working toward. We'll compare lenders and products and show you options that fit.
Checking your options won't affect your credit score. All financing is subject to lender approval.
