A Local NC Team Built to Fund the Hustle of the Culinary Scene
Headquartered at 226 N Front St in Wilmington, we've helped independent restaurants, food-truck operators, multi-unit operators, and franchisees across North Carolina get the equipment, working capital, and SBA financing they need to open, expand, and stay competitive since 2017.
Our Mission
Restaurant Financing Pros NC was founded on a simple idea: NC restaurant operators deserve faster, more honest financing than the bank-driven status quo. 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, build-outs, and day-to-day working capital. Direct access to real people, no offshore call centers, no automated phone trees.
Our team carries 20+ years of combined commercial-lending experience, and we back it with a nationwide network of established equipment lenders. That gives our underwriting flexibility a single bank can't match — including coverage for startups, prior Chapter 7 and 13 bankruptcy, and used equipment outside dealer age and hour limits.
Direct Access to Real People
Garrett Mercer
Founder & Owner
Garrett Mercer founded Restaurant Financing Pros NC in Wilmington in 2017 to give North Carolina restaurant owners a faster, more honest path to equipment and working capital. He leads a team carrying 20+ years of combined commercial-lending experience serving operators from the coast to the mountains.
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. Based in Wilmington, Dale guides owners through pre-qualification, structure selection, and fast closings with direct, no-runaround service.
Marcus Boyd
Financing Specialist
Marcus Boyd is a financing specialist at Restaurant Financing Pros NC, focused on matching North Carolina restaurant operators to the right loan, lease, or working-capital product across every credit tier. He works closely with food-truck, startup, and multi-unit clients statewide.
What Makes Us Different
Direct, Not Offshored
No call centers, no automated phone trees. You get the same team from first call to closing.
All Credit Tiers Covered
Prime through prior Chapter 7 or 13 bankruptcy. Trade-offs explained up front, not buried.
Statewide Lender Network
Nationwide equipment lenders behind a Wilmington-based contact. Not one bank's narrow criteria.
Transparent Terms
No out-of-pocket fees on working capital. Factor rates, holdback, total cost — disclosed before you sign.
Ready to Work With Us?
Three-minute phone diagnosis. 60-second pre-qual. Honest answers from real people in Wilmington.