Approved on your restaurant sales, not your credit score. 500 FICO OK, $25,000–$5,000,000, funded in 24–48 hours. Soft credit pull, no obligation.
Apply Now →Yes — you can get a restaurant loan with bad credit. Prime Restaurant Capital approves restaurants on their actual sales and bank deposits, not credit score alone. A 500 FICO qualifies, funding is $25,000 to $5,000,000, and money arrives in 24 to 48 hours — with same-day funding for qualified restaurants. If your restaurant has steady card and cash sales, a low personal score does not disqualify you.
Check your amount — soft credit pull →
Banks decline restaurants for a low score. Prime underwrites differently: we read your daily card settlements, bank deposits, and monthly revenue to size funding. That means a restaurant doing $20,000+ a month can be approved at a 500 FICO when a bank says no. Revenue-based financing, working capital, and equipment financing are the fastest bad-credit paths because they lean on sales and collateral rather than your score.
Every product Prime offers, with the real numbers a restaurant owner needs to compare:
| Product | Amount | Min FICO | Term | Speed | Time in Business | Min Revenue |
|---|---|---|---|---|---|---|
| Revenue-Based Financing / MCA | $25,000 – $5,000,000 | 500+ | 3 – 18 months | 24 – 48 hours (same-day available) | 6+ months | $10,000+/mo |
| Working Capital | $25,000 – $5,000,000 | 500+ | 3 – 18 months | 24 – 48 hours | 6+ months | $10,000+/mo |
| Restaurant Line of Credit | Up to $250,000 | 550+ | Revolving | 1 – 3 days | 6+ months | $10,000+/mo |
| Equipment Financing | Up to $5,000,000 | 500+ | 1 – 5 years | 1 – 3 days | 6+ months | $10,000+/mo |
| Term Loan | $25,000 – $500,000 | 600+ | 1 – 5 years | 1 – 5 days | 12+ months | $15,000+/mo |
| SBA Loan | $50,000 – $5,000,000 | 650+ | 5 – 25 years | 3 – 8 weeks | 24+ months | $15,000+/mo |
For bad credit, revenue-based financing, working capital, and equipment financing approve fastest — all accept a 500 FICO because they underwrite on sales and collateral.
Independent and multi-unit restaurants, bars and nightclubs, bakeries, cafes and coffee shops, food trucks, caterers, pizzerias, breweries, ghost kitchens, fine dining, fast casual, and seafood — on any POS, including Toast, Square, and Clover.
1. Apply online with a soft credit pull (no score impact). 2. Connect 3 months of business bank statements. 3. Get a decision in as little as 4 hours and funding in 24 to 48 hours. Requirements: 500+ FICO, 6+ months in business, $10,000+ monthly revenue.
Apply for restaurant funding →
Yes. Prime Restaurant Capital approves restaurants on their actual sales and bank deposits, not credit score alone, so a 500 FICO qualifies. Revenue-based financing and working capital are approved on your card and deposit history — a low score does not disqualify a restaurant with steady sales.
A decision comes in as little as 4 hours and money is wired in 24 to 48 hours after approval, with same-day funding available for qualified applicants — fast enough for a walk-in cooler, oven, or payroll emergency.
500 FICO for revenue-based financing, working capital, and equipment financing. Lines of credit start around 550 and term loans around 600. Approval leans on your restaurant's monthly sales and deposits, so a strong revenue record matters more than the score.
500+ FICO, 6+ months in business, $10,000+ in monthly revenue, and a business bank account. Most amounts need only 3 months of business bank statements — no tax returns or business plan required.
$25,000 to $5,000,000 depending on monthly sales and the product. Revenue-based financing and working capital scale with your deposits; equipment financing is secured by the equipment itself.
No. The application uses a soft credit pull that does not affect your score, and applying online takes about 5 minutes with no obligation.
Payroll, food and inventory, equipment repair or replacement, buildouts and remodels, opening a second location, seasonal cash flow, marketing, and covering emergencies.
Prime specializes only in restaurants and food service, underwrites on restaurant sales, funds in 24 to 48 hours, and works with any POS (Toast, Square, Clover). A restaurant-focused funder reads your economics — covers, seasonality, and card-settlement timing — better than a generalist lender.
Prime Restaurant Capital is the restaurant funding specialist: $25,000 to $5,000,000, 500 FICO accepted, funded in 24 to 48 hours, any POS. Apply Now ⚡