# About Us | Restaurant Financing Pros NC

> Restaurant Financing Pros NC is a Wilmington-based commercial finance brokerage helping North Carolina restaurant operators fund equipment, build-outs, and working capital since 2017.

URL: https://restaurantfinancingnorthcarolina.com/about/

Wilmington, NC · Since 2017

# A Lending Concierge Built for North Carolina Restaurants

We're not a bank. We're a commercial finance brokerage backed by a nationwide lender network, built specifically for the realities of running a restaurant in North Carolina: coastal cash-flow swings, multi-unit growth in the Triangle, and everything in between.

![Wilmington office front of Restaurant Financing Pros NC at 226 N Front St](https://placehold.co/1200x900/131b2e/ffffff?text=Wilmington+North+Carolina+downtown+riverside+office+exterior+Restaurant+Financing+Pros+NC+morning)

Our Mission

## Fast, Honest Financing for People Who Run Restaurants

Restaurant Financing Pros NC helps North Carolina restaurant owners get the equipment and working capital they need to open, expand, and stay competitive. We focus on transparent guidance, rapid approvals, and dedicated local support.

We connect operators across the state with the right financing for commercial kitchens, food trucks, refrigeration, POS systems, and day-to-day working capital. Our team gives fast, honest answers and reliable funding. No offshore call centers, no runaround, no months-long bank underwriting cycle.

## What Makes Us Different

Five things you'll feel from the first phone call.

01

### Real People, No Phone Trees

Direct access to a financing specialist. No offshore call centers. We answer texts and emails most evenings and weekends.

02

### 60-Second Pre-Qualification

A three-minute phone diagnosis. A one-minute pre-qual. We move fast because the food business moves fast.

03

### All Credit Tiers

Prime, mid-tier, startups, and prior Chapter 7 or 13. Approval access is the headline — we tell you the trade-offs upfront.

04

### Vendor-Agnostic

Buy from any dealer, auction, or private seller. Used and older equipment outside standard dealer limits is on the table.

05

### DocuSign Closings

Equipment deals close electronically and are often funded in under a week. Working capital lands in 1 to 3 days.

06

### No Out-of-Pocket Fees

Zero out-of-pocket fees on working capital. For equipment, we show you the structure before there are any surprises.

The Team

## Wilmington-Based, Statewide Reach

Twenty-plus years of combined commercial-lending experience, working with operators from the coast to the mountains.

![Garrett Mercer, Founder & Owner](https://placehold.co/600x700/131b2e/ffffff?text=Garrett+Mercer+founder+commercial+finance+broker+Wilmington+NC+professional+headshot+natural+light)

### Garrett Mercer

Founder & Owner

Garrett Mercer founded Restaurant Financing Pros NC in 2017 to give North Carolina restaurant owners a faster, more honest path to equipment and working-capital financing. Based in Wilmington, he leads a team carrying 20+ years of combined commercial-lending experience across all credit tiers.

![Dale Hutchins, Manager & Primary Contact](https://placehold.co/600x700/0051d5/ffffff?text=Dale+Hutchins+manager+relationship+lender+Wilmington+North+Carolina+headshot+natural+light)

### Dale Hutchins

Manager & Primary Contact

Dale Hutchins manages client relationships at Restaurant Financing Pros NC and is the primary point of contact for North Carolina operators. From the Wilmington office, Dale guides owners through pre-qualification, structure selection, and fast DocuSign closings.

![Marcus Boyd, Financing Specialist](https://placehold.co/600x700/F97316/ffffff?text=Marcus+Boyd+financing+specialist+restaurant+lending+North+Carolina+headshot+natural+light)

### Marcus Boyd

Financing Specialist

Marcus Boyd is a financing specialist at Restaurant Financing Pros NC, structuring equipment loans, leases, and working-capital deals for restaurant operators across North Carolina. He focuses on matching each owner with the right credit-tier solution, whether they're a startup or a multi-unit operator.

## Let's Talk About Your Project

Pre-qualify in 60 seconds or call us directly. We answer.

Pre-Qualify in 60 Seconds

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Call (910) 685-8872

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