Front the food, staff, and rentals for the event now — get paid back when the client's check finally clears. $10K to $5M, approved on your deposits, funded in as little as 24 hours.
Catering is a cash-flow business pretending to be a food business. The 300-guest wedding lands in your inbox with a deposit that barely covers the rentals. Then you're staring at the real bill: proteins, produce, and specialty items ordered up front, a dozen servers and a chef staffing a single Saturday, tables, linens, chafers, and a tent from the rental company — all due before the first tray goes out. The client pays the balance net-30 after the event, sometimes net-45 if it's a corporate account or a venue that pays slow.
So you're out of pocket for weeks on money you've technically already earned. One big booking can drain the account you need to buy food for the next three. Miss a payroll or short a rental order and you don't just lose the event — you lose the referral. That gap between "booked" and "paid" is exactly what this funding is for.
Cover food, staff, and rentals for a booking that pays net-30 — then repay when the client's balance clears.
A second delivery van, more chafers and hot boxes, a walk-in, or a bigger prep line so you can take the jobs you keep turning down.
Carry payroll and your commissary lease through the January-to-March dead zone until wedding and corporate season fills back up.
We read your bank statements, not your credit score. FICO 500+ is fine. Steady catering deposits are what get you approved.
Say you book a corporate holiday gala: 250 guests, $42,000 contract, 30% deposit up front, balance net-30 after the event. Your out-of-pocket before the event is roughly $18,000 — about $9,000 in food ordered from your purveyor, $5,500 in servers and kitchen staff for the night, and $3,500 in tent, tables, and linen rentals. The deposit covers maybe half of that, and your regular week of weddings and drop-offs still needs food money too.
You draw $20,000. You pay every vendor and every server on time, the gala goes off clean, and 30 days later the client's balance clears. You repay out of that payment plus the normal deposits that came in during the month — and you kept the referral that fills your calendar next quarter. Depending on your numbers, growth funding runs $25K to $5M; smaller and emergency needs run $10K to $500K.
Yes — that's one of the most common reasons caterers apply. You draw enough to cover food, staff, and rentals for the booking, run the event, and repay when the client's balance clears. Apply and send your statements, and checking your rate is a soft pull.
No. Checking is a soft pull, so it does not affect your credit score. Applying online takes a few minutes.
In as little as 24 hours. If your bank statements are in and your agreement is signed before early afternoon Eastern on a weekday, funds can arrive the same day. Sign Friday afternoon and you're looking at Monday.
Very likely. We approve on the deposits in your bank statements, not your credit score, and FICO 500+ is fine. A caterer with steady deposits and a rough score gets a real look here.
Yes. Growth funding covers a second van, hot boxes and chafers, a walk-in cooler, a bigger prep line, or whatever lets you say yes to more events. Working capital needs no collateral.
Not for working capital. We're funding against the cash flow moving through your business.
Don't turn down the event because the money comes 30 days late. Front it now, deliver, and repay when the client pays. Apply online — it takes a few minutes and checking your rate is a soft pull.
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Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Start Your ApplicationApproved on your revenue, not just your credit. Start your 1-minute application.
Apply NowWe are not a generic small-business lender. Prime underwrites restaurants only — and we fund the way you actually operate.
Every concept — 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.
Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.
Before you go
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
START MY 1-MINUTE APPLICATIONNo obligation · takes about a minute