The freezer quit and the clock is already against you
It's not the walk-in cooler — it's the freezer. The reach-in went warm overnight, or the walk-in freezer compressor is icing up and cycling off, or the condenser fan seized and the box is climbing past 10°F. However it started, you're now watching cases of frozen protein, seafood, and ice cream soften toward the point where you legally can't serve them.
Frozen inventory is the worst kind to lose. It's your highest-value stock — filet, shrimp, scallops, wings, par-baked goods, gelato — and it gives you the least time. Once it thaws and holds above 40°F, health code says it goes in the trash. You don't get to refreeze it and hope. A packed walk-in freezer can hold $8,000 to $30,000 in product, and a bad compressor or sealed-system repair runs $1,500 to $6,000 or more. The refrigeration company will quote you today and want payment before they order the part — and the part is what saves the food.
That's the real emergency: it's not just the repair bill, it's the repair bill plus everything inside the box if you can't move fast. Waiting to scrape the cash together is what turns a $4,000 problem into a $25,000 one.
How funding works when the freezer is down
- Apply online in minutes. No packet, no branch visit. You tell us the business, we run a soft credit pull to check — it does not ding your score — and you upload your most recent bank statements.
- We approve on your deposits, not your FICO. We're reading the money that actually moves through your restaurant's account. FICO 500+ is fine. No collateral, and the freezer itself isn't pledged against anything.
- Funds hit your account fast. Approvals can fund in as little as 24 hours — often same day — so you can pay the refrigeration tech to order the part and get the box cold before the inventory crosses the line.
The cost-of-waiting math
Walk-in freezer packed with roughly $22,000 in seafood and proteins. Sealed-system compressor repair quoted at $4,800, tech can start today if paid. Fund the $4,800 now and you keep the $22,000. Wait two days to find the cash and the food is gone — you're out $22,000 and still paying the $4,800. Speed isn't a nicety here; it's the whole game.
Approved on deposits
Steady sales flowing through your bank account matter more than your credit score. We size funding to what your restaurant actually does, not a number from three years ago.
Who qualifies
Restaurants, bars, cafes, food trucks, ghost kitchens, catering, ice cream and frozen dessert shops. Typically 3+ months in business with regular deposits. FICO 500+. $10K to $500K.
The honest speed rule
Submit before early afternoon ET on a weekday with your statements uploaded and the offer signed, and same-day funding is on the table. Friday afternoon submissions generally fund Monday. We won't promise you a miracle we can't hit.
Straight answers
Will checking hurt my credit?
No. Checking your options is a soft credit pull — it does not affect your score. A score is only pulled harder if you accept and move forward, and by then you've already seen your offer.
My credit is rough. Am I wasting my time?
Probably not. FICO 500+ is workable because the decision leans on your bank deposits, not your credit history. Restaurants with bruised credit but steady sales get approved here every day.
How fast can I actually get the money?
As little as 24 hours, and same-day is realistic if you apply early on a weekday with statements in and the offer signed. With frozen inventory thawing, that speed is the entire point.
Do I have to put up the freezer or other equipment as collateral?
No. This is unsecured. You're not risking the equipment, the building, or anything else on the line to fix the box.
Can I use it for more than the repair?
Yes. Most owners cover the repair, restock the freezer once it's cold again, and keep a cushion for payroll and vendors so one breakdown doesn't cascade into the next problem.
What do I need to apply?
Basic business details and your most recent bank statements. That's it. No tax returns, no collateral docs, no branch appointment.
Don't let the inventory decide for you
Every hour the freezer stays warm is money leaving your walk-in. Apply now, get a real answer today, and pay the tech before the seafood and proteins cross the line.
Get Your Restaurant Funded in 24 Hours
Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Start Your Application →Get funded in 24 hours
Approved on your revenue, not just your credit. Start your 1-minute application.
Why restaurants choose Prime
We are not a generic small-business lender. Prime underwrites restaurants only — and we fund the way you actually operate.
Restaurant-only underwriting
Every concept — full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Funded in 24 hours
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
Approved on your revenue
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Ready to get funded?
Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.
- ✓ 500+ credit
- ✓ 6+ months open
- ✓ $25K+/mo revenue
See how much your restaurant qualifies for
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
START MY 1-MINUTE APPLICATION →No obligation · takes about a minute