You've got two-plus years and strong monthly deposits. That earns you real capital — $25K to $5M, approved on your numbers, funded in as little as 24 hours.
This page is for established restaurant operators — two or more years in business, with consistent, healthy monthly deposits. If you're running a full-service restaurant, a busy quick-serve, a bar, or a small group doing roughly $50,000 to $100,000+ per month in sales, you're exactly who this is built for.
You're not looking for a loan to survive. You're looking for capital to move faster — open the second location, renovate, buy inventory ahead of a strong season, or cover a build-out without draining your operating account. The stronger and more consistent your deposits, the larger the amount and the better the terms you qualify for.
We fund $10,000 to $5,000,000. For an established restaurant with real volume, the working number is driven almost entirely by your monthly deposits, not your credit score.
Here's a real example. A full-service restaurant doing $80,000 a month in deposits — around $960,000 a year — typically qualifies in the $80,000 to $160,000 range on a first position, roughly one to two months of revenue. Show two years of consistent statements and clean deposit history, and you land at the top of that band with the strongest terms. Do $150,000 a month? The facility scales up with you.
The pattern is simple:
Approval is on your deposits. FICO 500+ is fine — for established, high-revenue restaurants, your bank statements do the talking.
We read your bank statements, not just your credit. Strong, steady deposits get strong offers.
Statements in and signed before early afternoon ET on a weekday? Same-day funding is on the table.
Checking eligibility won't ding your credit. Working capital requires no collateral.
$25K to $5M. Established restaurants with real volume get the bigger amounts and the better terms.
Honest speed rule: if your statements are in and your agreement is signed before early afternoon ET on a weekday, you can be funded the same day. Sign on a Friday afternoon and you'll typically fund Monday.
No collateral for working capital. No fake stats, no gimmicks — just capital sized to your real numbers.
You've built a real business over two-plus years. Let your deposits earn you the capital and terms you've actually earned. Apply online, send your statements, and get a straight offer — often with funding in as little as 24 hours.
$10,000 up to $5,000,000. For a restaurant with 2+ years and strong deposits, the amount usually lands around one to two months of revenue — so an $80,000/month operation often qualifies for roughly $80,000 to $160,000, with larger facilities as your volume grows.
Yes. A longer track record plus consistent deposits gives us more confidence, which means larger amounts and better pricing than a newer or lower-volume business would see.
Only a soft pull, which doesn't affect your score. Approval is driven by your bank deposits. FICO 500+ is fine.
As little as 24 hours. If your statements are in and you sign before early afternoon ET on a weekday, same-day funding is possible. Friday afternoon signings typically fund Monday.
No collateral is required for working capital.
No. We don't pay off an existing merchant cash advance. We provide new capital based on your restaurant's deposits and track record.
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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