How much can my restaurant qualify for in funding?

Restaurants doing $20,000 to $50,000 monthly typically qualify for $25,000 to $150,000. Restaurants doing $50,000 to $200,000 monthly qualify for $150,000 to $500,000. High volume operations doing $200,000+ monthly can qualify for $5,000,000 or more. Funding is based on monthly deposits, not credit score.

What are the requirements to qualify for restaurant funding?

You need at least 6 months in business, $20,000+ in monthly revenue, and a US-based restaurant or food service operation. Personal credit score of 500+ is preferred but not required.

How fast can I get funded?

Most restaurants receive funding within 4 to 24 hours of approval. The application takes about 5 minutes.

Will applying hurt my credit score?

No. Our application uses a soft credit pull only, which has zero impact on your credit score.

Do you fund restaurants with bad credit?

Yes. We approve restaurants based on monthly revenue and cash flow, not credit score alone. Restaurants with credit scores as low as 500 regularly qualify.

Bad-Credit Restaurant Loans in Napa, CA — $25K–$5M, Same-Day

Napa restaurants and food-service operators can get $25,000 to $5,000,000 in bad-credit restaurant loans — approved on your sales and card and bank deposits, not just your credit (FICO 500+), with a decision in 2 to 4 hours. Bad-Credit Restaurant Loans approves you on sales and deposits even with a 500 FICO. You don't need an existing loan or advance to qualify — this is straight first-position capital for Napa restaurants.

Get funded in Napa — see your amount

Two-to-four-hour decisions. Same-day funding. No obligation. Apply Online →

Why Napa restaurants choose us

Approved on sales, not just credit. A 500+ FICO in Napa gets a fair shot when the numbers are there.
No open loan required. This is first-position funding — you don't need an existing advance to qualify.
$25K to $5M. A quick bridge or serious growth capital for Napa restaurants — one source covers the range.
Same-day speed. Most Napa approvals come in 2 to 4 hours, funded the same day.

What Napa restaurants use bad-credit restaurant loans for

Napa's economy runs on tech, entertainment, agriculture, and trade, and owners put this capital to work on:

Cover gaps a bank won't
Rebuild after a rough season
Grow despite a low score
Fund payroll and food cost

How it works in Napa

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Napa restaurants are funded the same day. Requirements: FICO 500+, 6+ months in business, and $10,000+ in monthly revenue.

Common questions

How fast can a Napa business get funded? Most approvals come in 2 to 4 hours, with same-day funding once you're approved.

Do I need an existing loan or advance? No. This is first-position funding for Napa restaurants with no open advances — a clean balance sheet gets the best terms.

What credit score do I need? 500+ FICO is accepted. We underwrite on Napa sales and card and bank deposits, not the score alone.

Get bad-credit restaurant loans in Napa today

Fast, first-position funding for Napa restaurants — approved on revenue, funded the same day. Apply Now ⚡

Bad-Credit Restaurant Loans in Napa, CA