01
We Understand Food Service
Our team knows restaurant economics. We evaluate your business the way it should be evaluated, not like a generic retail shop.
Funding Built for Restaurant Success
The food service industry moves fast. Equipment breaks, opportunities appear, seasons change. We provide capital that matches your pace with same-day decisions and flexible terms designed specifically for restaurants.
- Funding from $10,000 to $5,000,000
- Decisions in as little as 4 hours
- Terms designed for restaurant cash flow
What You Need to Qualify
$30,000+
Minimum Monthly Revenue
6+ months
Established Business History
TrustScore 4.4 / 5 on Trustpilot
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score
From Kitchen to Capital in 4 Steps
01
Quick Application
Share your restaurant type, monthly sales, and funding needs. We understand food service, so the questions make sense.
02
Fast Review
Our team evaluates your restaurant quickly. We know how to read food service financials and value your business fairly.
03
Choose Your Terms
Receive multiple funding offers with different structures. Pick what works for your cash flow and growth plans.
04
Get Cooking
Capital arrives in your account, often within 24 hours. Put it to work immediately on whatever your restaurant needs.
Why Restaurant Owners Choose Us
Capital Solutions for Every Restaurant Need
Whether you are opening a second location, upgrading your kitchen, or just need to cover payroll during a slow month, we have funding options designed for your situation.
Restaurant owners face unique challenges that generic lenders do not understand. Seasonal revenue swings, thin margins, equipment dependencies, and inventory needs require specialized financing. We have spent years learning the food service industry so we can provide capital that actually works for your business model.
Restaurant Funding at a Glance
We offer multiple funding products to match different restaurant needs. Some owners need equipment financing with long terms. Others need quick working capital with flexible repayment. Many use a combination over time.
Most restaurant owners qualify for multiple products. Your funding advisor will help you compare options and choose the best fit.
- Loan Amounts
- $10,000 to $5,000,000
- Rates
- Starting at 1% monthly
- Terms
- 3 months to 5 years
- Speed
- Same day to 7 business days
Funding Products for Restaurants
Different needs call for different solutions. Here are the products restaurant owners use most frequently.
- Merchant Cash AdvancePerfect for restaurants with strong credit card volume. Get a lump sum now, repay automatically as a percentage of daily card sales. Payments adjust with your business.
- Equipment FinancingFinance commercial ovens, refrigeration, POS systems, furniture, or vehicles. The equipment itself serves as collateral, keeping rates competitive and preserving working capital.
- Working Capital LoansShort-term capital for payroll, inventory, marketing, or unexpected expenses. Fixed payments make budgeting simple during uncertain times.
- Business Line of CreditA revolving credit line you draw from as needed. Only pay interest on what you use. Ideal for managing seasonal fluctuations or having emergency reserves.
- Revenue Based FinancingFunding based on your gross revenue with payments that flex monthly. Busy months mean larger payments; slow months mean smaller ones.
How Credit Affects Restaurant Financing
Your personal credit score matters, but it is not everything. We evaluate the whole picture: your restaurant's revenue, time in business, industry experience, and cash flow patterns.
- Daily sales volume often matters more than credit score
- Strong revenue history improves all funding options
- Industry experience counts in your favor
- Consistent bank deposits demonstrate stability
Good news
Restaurant owners with credit scores in the 500s regularly qualify for funding when they show strong, consistent sales. Your credit card processing statements often tell the real story.
Strong Credit Profile
Access to lowest rates, longest terms, highest amounts
760Score
Challenged Credit
Multiple options available based on restaurant performance
502Score
Restaurant Industry Funding Data
$1M+
average revenue for independent full-service restaurants. We fund restaurants of all sizes, from food trucks to multi-location groups.
Source: National Restaurant Association
3-5%
typical profit margin in full-service restaurants. We understand thin margins and structure funding accordingly.
Source: Industry Benchmarks
60%
of restaurants use some form of external financing. Capital is a normal part of restaurant operations and growth.
Source: Restaurant Finance Survey
Weighing Restaurant Financing Options
Pros
- Access capital for equipment, expansion, or operations
- Fund seasonal inventory ahead of busy periods
- Bridge cash flow gaps during slow months
- Take advantage of growth opportunities quickly
- Multiple product options to fit different needs
- Build credit history for better future terms
Cons
- Financing has costs that reduce overall margin
- Some products require frequent payments
- Personal guarantees may be required
- Fast funding typically costs more than bank loans
Compare Restaurant Funding Options
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| Merchant Cash Advance | $10K to $5M | Factor 1.1 to 1.5 | 24 to 48 hours |
| Equipment Financing | $10K to $5M | 6% to 20% APR | 3 to 7 days |
| Working Capital Loan | $25K to $5M | 1% to 4% monthly | 24 to 48 hours |
| Business Line of Credit | $10K to $250K | 1% to 3% monthly | 1 to 3 days |
| Revenue Based Financing | $10K to $5M | 1% to 6% monthly | 1 to 2 days |
Restaurant Qualification Requirements
- Monthly Revenue
- $10K+
- Credit Score
- 475+
- Time in Business
- 6+ months
Get Funding for Your Restaurant
Apply today and receive funding decisions fast. Our team specializes in restaurant financing and understands your business.
Start Your ApplicationStep 1: Apply Online
Complete a short application about your restaurant, including type, location, monthly revenue, and funding needs.
Step 2: Submit Documents
Upload recent bank statements and processing statements. We review them with an understanding of restaurant cash flow patterns.
Step 3: Get Funded
Review your offers, choose the best fit, and receive funds. Most restaurant owners get funded within 24 to 48 hours.
Restaurant Funding Products
Explore specific financing options available for your restaurant.
Related Industries We Fund
We also specialize in financing for these related industries.
FAQs
Restaurant Financing Questions
We fund all types: full-service restaurants, fast casual, quick service, cafes, coffee shops, bars, breweries, food trucks, catering companies, bakeries, pizzerias, and more. If you serve food or beverages, we likely have a solution for you.
Yes, though requirements vary. Newer restaurants typically need at least 6 months of operation and consistent revenue. Experienced owners opening new concepts may have additional options based on their track record.
Virtually any business purpose: kitchen equipment, POS systems, furniture, renovations, inventory, payroll, marketing, delivery vehicles, franchise fees, new location build-out, or general working capital.
We understand seasonality. Some of our products have payments that adjust with revenue. We can also structure terms to align payments with your busy season when possible.
It factors into your options, but strong restaurant performance often outweighs credit challenges. We have funded many restaurant owners with credit scores below 600 who demonstrate solid sales.
Many restaurant owners receive decisions within hours and funding within 24 to 48 hours. Equipment financing takes longer due to additional requirements.
It depends on the product. Merchant cash advances and revenue-based financing typically require no collateral. Equipment financing uses the equipment itself. Lines of credit and term loans may require a UCC filing.
Basic requirements include 3 to 6 months of bank statements, credit card processing statements (if applicable), a valid ID, and proof of business ownership. Larger amounts require additional documentation.
In many cases, yes. We evaluate your total debt obligations and ability to service new funding. Many restaurant owners have multiple funding sources at different stages of growth.
We specialize in food service. Our team understands restaurant economics, seasonal patterns, and industry challenges. We evaluate your business the right way and structure funding that makes sense for restaurants.
Ready to Grow Your Restaurant?
Whether you need equipment, working capital, or expansion funding, our team is ready to help. We specialize in restaurant financing.
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score