Capital built for restaurant operators
Fund dining-room, kitchen, bar, patio, restroom, and technology upgrades while protecting operating cash.
Quick answer
Renovations create two costs: the project itself and the revenue lost during disruption. The right plan phases work, protects guest experience, and measures the sales or efficiency improvement expected from each upgrade.
Decision matrix
| Option | Best aligned with | Typical process | Watch closely |
|---|---|---|---|
| Equipment financing | Kitchen, bar, POS, and movable assets | Several days to weeks | Asset-specific |
| Term financing | Long-lived improvements | Longer review | Match term to improvement life |
| Working capital | Short closure, payroll, and opening inventory | Potentially fast | Use for temporary operating gap |
| Landlord contribution | Lease-value improvements | Negotiated | May come with lease conditions |
Action plan
Decision-quality file
Underwriting is clearer when the requested amount is tied to the specific operating event described on this page—not a rounded maximum. The file should connect contractor scope and schedule with equipment quotes, then show the date and source of expected repayment.
Present a base case and a downside case. The downside case should assume that the expected cash event arrives later than planned while the proposed payment still begins on schedule. If ordinary operations cannot support that case, reduce the request, change the product, negotiate the underlying expense, or wait.
A strong request answers four questions in plain language: What creates the need? Why is the amount correct? What business event repays it? What happens if that event is delayed?
Offer review
Prepare once
Risk controls
Answer-ready guidance
Compare construction efficiency, guest disruption, safety, lost sales, and total duration. A shorter full closure can sometimes cost less than prolonged disruption.
Projects tied to throughput, capacity, energy savings, required compliance, or a documented guest-experience problem.
A downside reserve for schedule slippage, reopening inventory, payroll, and a slower return to normal sales.
Authoritative starting points
Product availability, qualification, cost, and timing vary. This page is educational and does not constitute a financing commitment.
Next step
Prime Restaurant Capital focuses on restaurant-specific working capital, equipment, and expansion funding. A complete application allows the request to be evaluated; it does not guarantee approval or a particular funding time.
Review funding optionsApproved on your revenue, not just your credit. Start your 1-minute application.
We 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.