Established Restaurant Funding — Bigger Amounts, Better Terms

Who this is for

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.

How much you can get — and how it scales with your deposits

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:

• Higher monthly deposits = larger approval amount.
• More consistency month to month = better terms and lower cost.
• Longer track record (2+ years) = access to the strongest offers we make.

Approval is on your deposits. FICO 500+ is fine — for established, high-revenue restaurants, your bank statements do the talking.

How it works — three steps

• 1. Apply online. A few minutes. Soft pull only, so there's no hit to your credit to see what you qualify for.
• 2. Send your last few months of bank statements. This is what we underwrite on. Your deposit volume and consistency set your amount and terms.
• 3. Review your offer and sign. Get your offer, pick the amount that fits, sign. Funds land in as little as 24 hours.

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.

What serious operators use it for

• Opening or building out a second (or third) location.
• Full renovations, kitchen upgrades, and new equipment.
• Buying inventory and staffing up ahead of a strong season.
• Bridging a large catering or event contract before the payments arrive.
• Consolidating vendor bills or covering payroll during a build-out.
• Marketing pushes to fill seats and grow ticket size.

Who qualifies

• 2+ years in business as a restaurant, bar, or food-service operation.
• Strong, consistent monthly deposits — ideally $50,000+ per month.
• FICO 500+ — deposits carry more weight than your score.
• A business bank account with several months of statements to show.

No collateral for working capital. No fake stats, no gimmicks — just capital sized to your real numbers.

Ready to see your number?

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.

Straight answers

How much funding can an established restaurant get?

$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.

Does being in business 2+ years actually get me better terms?

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.

Will you check my credit?

Only a soft pull, which doesn't affect your score. Approval is driven by your bank deposits. FICO 500+ is fine.

How fast can I get funded?

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.

Do I need collateral?

No collateral is required for working capital.

Can this pay off my current advance?

No. We don't pay off an existing merchant cash advance. We provide new capital based on your restaurant's deposits and track record.