Funding to Buy a Restaurant — or Buy Out Your Partner

You have a closing date, and it doesn't wait for a bank

The deal is real. Maybe it's the corner spot that finally came up for sale, the second location the owner is retiring out of, or the partner you've carried for two years who's finally ready to sign. Whatever it is, there's a hard date on the purchase agreement — and the seller has other people asking.

That's the exact moment an SBA loan lets you down. Ninety days of underwriting, a full personal financial statement, tax returns, a business plan, collateral, and a "maybe" at the end of it. By the time the bank decides, the seller has moved on. You don't need a maybe in 90 days. You need cash you can put on the table before your deadline.

We fund restaurant purchases and partner buyouts based on the deposits flowing through the business — the one you're buying, or the one you already half-own. If the revenue is there in the bank statements, the credit score and the collateral aren't the deciding factor.

How it works — three steps

• Apply online in a few minutes. Tell us the deal — buying a restaurant, buying out a partner, or a second location — the amount you need, and by when. Soft pull only.
• Send the bank statements. For a purchase, the seller's recent business statements show us the real deposit volume. For a buyout, your own restaurant's statements do the same. That's what we underwrite on.
• Get a decision, sign, and fund. Statements in and signed before early afternoon ET on a weekday can fund the same day. Friday afternoon requests fund Monday.

Real numbers and who qualifies

A two-partner taqueria in Hialeah, one partner wants out. His half is valued at $140,000 and he's given a 30-day window before he walks and forces a sale. The staying partner pulls $95,000 in working-capital funding against the restaurant's ~$85,000 in monthly deposits, adds his own savings, and closes the buyout in three weeks — keeping the location, the crew, and 100% of the upside instead of losing the business to a fire sale.

We fund $25K–$5M for growth and acquisition and $10K–$500K for emergencies. To make the deposit-based math work, we generally look for:

• A restaurant with real, steady deposits — either the target you're buying or the one you already operate
• Several recent months of business bank statements we can read
• FICO 500 or higher (checked with a soft pull, not the deciding factor)
• A clear use of funds tied to the purchase or buyout

Straight talk on a pure startup purchase with no existing operating history to underwrite: if there are no deposits anywhere — not the target's, not yours — deposit-based funding has nothing to read, and this may not fit. When there's a running restaurant behind the deal, it usually does.

Straight answers

Can I get a loan to buy an existing restaurant?

Yes, when the restaurant you're buying has real deposit history. We underwrite on the seller's recent business bank statements, so a healthy, revenue-generating spot can support funding toward the purchase — often within a day of getting the paperwork.

How does partner buyout funding work?

If you already own part of a restaurant, we underwrite on that restaurant's bank deposits. Strong monthly deposits can support the working capital you need to buy out your partner's share and take full ownership, without pledging personal collateral.

Does my credit score decide it?

No. We approve on deposits, not credit score. We do a soft pull to check — which doesn't affect your score — but FICO 500+ is workable when the bank statements are strong.

How fast can I close?

As little as 24 hours. If your statements are in and the agreement is signed before early afternoon ET on a weekday, same-day funding is possible. Sign Friday afternoon and it funds Monday.

Do I have to put up collateral?

Not for working-capital funding. You don't pledge your home or the restaurant's equipment to get the cash that closes the deal.

What documents do you need?

A quick application and recent business bank statements — the seller's for a purchase, or your own restaurant's for a buyout. That's the core of it.

Don't lose the deal over a slow bank

The date on your agreement is real and the seller has options. Check what you qualify for with a soft pull — no hit to your credit, no obligation — and have an answer in hours instead of months.