About Us

The Ultimate Card for Restaurant & Ghost Kitchen Operators

Nearly all restaurants in America aren't getting rewards, relying on low credit, and hurting their margins by relying on debit, check, or ACH transactions. Ghost Financial can lift margins by up to 10%.

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Operate Like an Nationwide Operation Without the Extra Overhead

The restaurant behemoths of the world have 100+ person legal and compliance teams to give them a credit workflow advantage for them and their franchisees, simply not available to smaller operations like yours...until now.

Stop Using Cash to Buy Your Ingredients

One of the fastest ways to kill your balance sheet as a restaurant or ghost kitchen operator is to constantly operate on cash. Our 1% cash-back credit card for inventory expenses allows you to increase margins with zero credit check.

Pay your ACH bills using our 1% cash-back credit card.

Pay your food distributor using ACH? For the first time ever, now you can route your massive monthly inventory expenses through our 1% cash back card — bringing you thousands of dollars in potential free money each month.

Get a 10% or More Bump in Your Profit Margins

The average margin in the non-alcohol food space is about 5%, allowing you to enjoy an approximately 10% bump in your profit margins.

Zero credit check
No personal guarantor
Zero Interest

1% cash back. No credit check required.

Simply connect Ghost Financial with your POS, UberEats, DoorDash, GrubHub, or Postmates account. No credit check. No personal guarantor. No long application.


Here's What Food Industry Operators
Have to Say

5 / 5

Ghost Financial's 1% cash-back card for inventory expenses quite literally drops us thousands of dollars of free money from the sky each month.

Zaid Rahman - Owner, Big D Pizza
4.5 / 5

When I started my restaurant, I wasted months trying to figure out options for kitchen insurance and expansion loans. Ghost Financial truly brings forward everything you need to launch & scale your restaurant business.

Jason Little - Head Chef & Kitchen Manager, Keto Kitchen
5 / 5

We spend about $120k/month in food inventory at just one of our locations. Getting risk-free 1% cash-back on that huge monthly expenditure is totally game changing to our bottom line.

Rick - Regional Manager, DogHaus

A Complete Financial Toolbox For Ghost Kitchen Teams

Cash-Back Credit Card

Enjoy increased profit margins with 1% cash back on all inventory & equipment expenses.

Pay with ACH? Our 1% cash-back card works with that too.

Ghost Kitchen Insurance

Spending weeks trying to figure out where to go for kitchen & team insurance? We are your one-stop-shop.

Loans for Expansion

Let us financially supercharge your expansion to other cities in a matter of weeks. Zero credit check required.


The 1st restaurant & ghost kitchen optimized payroll system is here.

Ready to get started?

Request an invite for early access or contact us with any questions.

Built for restaurant operators, made by restaurant operators.

Started by ghost kitchen restaurant operators, Ghost Financial is here to be your empathy-first financial partner in building a successful restaurant or ghost kitchen operation.

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