The range is down and the whole line stops
No flame on half the burners. The oven won't hold temp. A gas valve failed and now you can't fire a single sauté order. It doesn't matter how full your book is tonight — if the range is dead, the line is dead, and you're either sending people home or comping tickets you can't cook.
A commercial range or 6-burner replacement can run $3,000 to $12,000. A gas line or valve repair from a certified tech can be $800 to $3,000, and they want to be paid before they leave. You have the covers booked to earn that money back this week — you just don't have it sitting in the account at 9am on a Tuesday.
That's the exact gap we fund. Restaurants only. Fast enough to matter tonight.
How it works
- 1. Apply online in a few minutes. No phone tag. Tell us the business and connect or upload your last 3 months of bank statements. Checking your offer is a soft pull — it does not ding your credit.
- 2. We approve on deposits, not your FICO. We look at what's actually flowing through your restaurant's account. FICO 500+ is fine. No collateral for working capital.
- 3. Money hits your account, you pay the tech. Sign off and funds can land in as little as 24 hours — often same day if you're in early.
Real example
A range with two dead burner assemblies and a failed thermostat: the tech quoted $2,400 for parts and labor, same-visit. The owner pulled $6,000 so the repair got done that afternoon and there was cushion left for the deep-clean and a produce order. Line was firing for dinner service.
Honest speed rule
Statements in and paperwork signed before early-afternoon ET on a weekday = same-day funding is on the table. Get it done Friday afternoon and you're realistically looking at Monday. We won't promise you a wire on Saturday that can't happen.
Who qualifies
Restaurants, bars, cafes, food trucks, and multi-unit groups doing regular deposits. Roughly 4+ months in business, FICO 500+, and consistent sales in the bank. Newer credit is OK — we're reading the deposits.
Straight answers
Will checking hurt my credit?
No. Seeing your offer is a soft pull. Nothing changes on your credit report just for applying and looking at the number.
My credit is rough right now — does that kill it?
Not on its own. We approve on your restaurant's bank deposits. FICO 500 and up works. A slow credit history matters far less than steady sales landing in the account.
How much can I get?
For an emergency repair like a range, stove, or burner fix, most owners are pulling $10,000 to $500,000. You only take what you need to get the line running and cover the next few days.
How fast is the money really?
As little as 24 hours, and same day if your statements are in and you sign before early afternoon ET on a weekday. Friday afternoon typically funds Monday. We'll tell you the honest timeline for your submission, not a sales number.
Do I need collateral?
No collateral for working capital. We're not putting a lien on your equipment or your building to fix a stove.
What do I need to apply?
Basic business info and your last 3 months of business bank statements. That's the core of it.
Get the line cooking again
Don't kill a full night of service over a repair you can pay off with this week's covers. Apply online, see your offer with a soft pull, and get the range fixed today.
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