Restaurants get rejected by banks because bank underwriters don't understand restaurants. Our team has funded restaurant operators across the country — full-service, QSR, fine dining, food trucks, catering. We know your industry, your cash cycles, your reality. $25K to $5M, funded in 24 hours.
"Opening a second location needed $185K and my bank wanted 90 days. Prime funded it in 22 hours. Second location opened on schedule."
"Ghost kitchen build-out. $95K. Three months of statements. Done in a day. No collateral, no tax returns."
"Equipment went down Friday. Called Prime Saturday. $45K for a new commercial walk-in by Monday. Restaurant never closed."
Traditional banks see a restaurant's lumpy cash flow — busy weekends, slow Tuesdays, seasonal swings — and call it risk. We see it as Tuesday. We've built our underwriting around the rhythms of restaurant operations, not around the rigid templates banks use for every business.
That's why we can approve in 24 hours what takes a bank three months. And why we can fund restaurants that banks reject without ever looking past their credit score.
From kitchen equipment to working capital to expanding into your second location — we have the funding solution built for your specific need.
Cover payroll, inventory, vendor payments, and seasonal cash flow gaps. Funding from $25K up to $5,000,000, no collateral required.
Get Restaurant Capital →Finance commercial ovens, walk-in coolers, POS systems, and full kitchen build-outs over 12-60 months at preferred rates.
Get Restaurant Capital →Flexible capital you draw from as needed. Pay interest only on what you use. Built for restaurants with seasonal cash flow.
Get Restaurant Capital →Repayment scales with your daily sales. Slower week, smaller payments. Built for restaurant cash flow patterns.
Get Restaurant Capital →Lump sum funding with fixed monthly payments over 1 to 5 years. For working capital, equipment, expansion, or refinancing existing debt.
Get Restaurant Capital →Government-backed financing with longer terms and competitive rates. SBA 7(a) for working capital, SBA 504 for real estate.
Get Restaurant Capital →No collateral. No business plan. No months of waiting. Just real funding for real restaurants.
Tell us about your restaurant and upload three months of business bank statements. Soft credit pull only.
Same-day approval decision. See your funding amount, terms, and total cost upfront. No surprises, no hidden fees.
Sign your agreement electronically. Receive funds via ACH directly to your business bank account within 24 hours.
Every restaurant model has different capital needs, cash cycles, and growth challenges. Select your type below.
Premium service restaurants carry higher per-table investment, longer renovation cycles, and wine program costs that conventional lenders don't understand. We fund fine dining operators based on average cover counts and reservation data — not just raw bank deposits.
"Opening a second fine dining location needed $310,000 for the build-out alone. Our bank wanted 90 days and personal guarantees on everything. Prime funded $310K in 26 hours, no collateral, no liens."
Traditional bank loans were never designed for restaurant operators. We built our entire process around how restaurants actually work — fast decisions, flexible terms, and underwriters who understand that a restaurant's bank statement tells a different story than a software company's.
The difference isn't just speed. It's whether your restaurant gets funded at all.
| What Matters to Operators | Traditional Bank | Prime Restaurant Capital |
|---|---|---|
| Time to Fund | 30 - 90 days | 24 hours |
| Credit Score Required | 700+ | 500+ |
| Collateral | Required | Not required |
| Application Time | Weeks | 5 minutes |
| Tax Returns Required | 2-3 years | Not required |
| Restaurant Industry Specialists | Generalist | Yes |
| Approval Decision | Weeks of underwriting | Same day |
| Seasonal Cash Flow Adjusted | No | Yes |
| Maximum Funding | Varies | $5,000,000 |
"The difference between traditional bank financing and Prime Restaurant Capital is the difference between hoping you'll be approved and actually getting funded. Speed matters in this industry. Understanding matters more."
Funding scales with your monthly revenue. Restaurants doing $20K-$50K monthly typically qualify for $25K-$150K. $50K-$200K monthly revenue qualifies for $150K-$500K. High-volume operations doing $200K+ monthly can qualify for $5,000,000 or more. We base funding on your monthly deposits, not your credit score.
You need at least 6 months in business, $20,000+ in monthly revenue, and a US-based restaurant or food service operation. Credit score of 500+ is preferred but not required. We approve based on cash flow strength, not just credit.
Most restaurants receive funds within 4-24 hours of approval. The application takes about 5 minutes. After you submit three months of bank statements, you typically receive an approval decision and offer the same day.
No. Our application uses a soft credit pull only, which has zero impact on your credit score.
Anything that supports your restaurant. Working capital, payroll, inventory, equipment, kitchen renovations, opening a second location, marketing, paying off existing debt, or covering seasonal cash flow. There are no restrictions on use.
Yes. We approve restaurants based on monthly revenue and cash flow strength. Restaurants with FICO scores as low as 500 regularly qualify. Strong monthly deposits matter far more than your credit score in our underwriting.
No. Our funding is unsecured. We don't take liens on your equipment, real estate, or personal assets. Approval is based entirely on your business cash flow and revenue history.
Just three months of business bank statements. No tax returns, no business plan, no profit and loss statements, no projections. Your bank statements tell us everything we need to know about your operation.
Real businesses we've funded — their words, their funding amounts, their industries.
"Got us through a brutal renovation period. Approved in a day, funds deployed before our grand reopening. Our previous bank wanted 90 days."
"Used the term loan to acquire our second-closest competitor. Process took 4 days from application to closing. Bought a $1.2M business with $425K down."
"Working capital saved my season. Catered 6 weddings in May using their funds, repaid in 7 weeks."
"Equipment financing for new espresso machines and full kitchen build for second location. Better terms than the equipment dealer offered."
Application takes 5 minutes. Soft credit pull only. Approved restaurants funded within 24 hours. No collateral, no tax returns, no business plan required.
Start Your Application →We fund operating restaurants regardless of which POS you run — Toast, Square for Restaurants, Clover, Aloha NCR, TouchBistro, Lightspeed, and beyond. We pull cash flow from your bank statements, not your POS, so any system works.
All trademarks are the property of their respective owners. Prime Restaurant Capital is independent and not affiliated with these POS providers.
