Restaurant operators have specialized funding needs — payroll bridges, equipment, build-outs, second locations. Here is how the top lenders stack up for 2026.
Restaurant-specific lenders (Prime Restaurant Capital, Toast Capital, Square Capital) understand restaurant economics — daily cash flow, perishable inventory, hurricane/seasonal patterns, sub-2-year time-in-business norms. Generic business lenders (OnDeck, Kapitus, Fora) treat restaurants like every other industry, often pricing in extra risk premium.
For restaurants, specialized lenders typically offer larger amounts, faster decisions, and better-fit repayment schedules.
| Lender | Type | Speed | Amount | Min Revenue | Min FICO |
|---|---|---|---|---|---|
| Prime Restaurant Capital | Direct private | 4-24h | $25K-$5M | $20K/mo | 500 |
| Toast Capital | POS-tied | 1-3 days | $5K-$300K | Toast user | 600 |
| Square Capital | POS-tied | 1-3 days | $300-$250K | Square user | 600 |
| Kapitus | Direct private | 1-3 days | $10K-$5M | $25K/mo | 600 |
| Fora Financial | Direct private | 1-3 days | $5K-$1.4M | $15K/mo | 500 |
| Rapid Finance | Direct private | 1-3 days | $5K-$1M | $10K/mo | 580 |
You need $250K-$5M (above POS-tied lender ceilings) You need money in 4-24 hours You run multiple POS systems or no POS at all Your FICO is 500-680 (rejected by banks/POS lenders) You want underwriting from people who actually understand restaurants
Frequently Asked
Prime Restaurant Capital funds in 4-24 hours of signing for approved restaurants. POS-tied lenders typically take 1-3 business days.
No — we are POS-agnostic. Toast Capital and Square Capital require their respective POS; we do not.
Yes — FICO 500+ accepted. Bank statement health matters more than credit score.
Restaurants doing $20K-$50K monthly typically qualify for $25K-$150K. $50K-$200K monthly qualifies for $150K-$500K. $200K+ monthly can qualify for $5M+.
5-minute application. Soft credit pull only. Approved businesses funded within 24 hours.
Approved on your revenue, not just your credit. Start your 1-minute application.
We underwrite restaurants only — and fund the way you actually operate.
Full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Approved on your deposits, not just your score. Funded in as little as 24 hours.