You have never taken a position on your restaurant. That clean file is your leverage. Use it to get the largest offer and the best terms before you ever need to.
Apply Now →If your restaurant has no existing merchant cash advances, you qualify for the largest offers and the best terms Prime Restaurant Capital can put on the table, because you are borrowing in first position against a clean bank file. When an underwriter opens your business statements and sees only your own deposits, rent, payroll, and vendor payments moving through the account, with no daily or weekly ACH pulls from another funder, that account reads as full available cash flow. Full cash flow supports a bigger advance, a longer term, and a lower factor than the same restaurant would ever be offered once a first position is already draining the account. For an operating restaurant doing $20,000 or more a month, that means $25,000 to $5,000,000 in working capital, equipment, or expansion money, approved primarily on revenue and deposits rather than credit score, with a decision in roughly 4 to 24 hours. The point of this page is simple: apply while your file is still clean, because that is the one moment your restaurant will command the strongest offer.
Restaurant funding is underwritten on cash flow, and the cleanest signal of cash flow is a bank statement with nothing pulling against it. When you have never taken an advance, every dollar that lands in your operating account is spoken for only by you: food cost, labor, rent, POS batches, and your own draw. There is no competing lender taking a fixed cut off the top every business day.
An underwriter reading that file can commit the full strength of your deposits to a single position. There is no stacking risk to price around, no question of whether a second funder will destabilize the account, and no reason to shrink the offer as a hedge. That is why a first-position restaurant with $60,000 in monthly deposits will typically be offered more capital, on better terms, than a comparable restaurant already carrying one advance. Same kitchen, same sales, very different offer. The difference is the position, and right now you own the best one there is.
Prime Restaurant Capital funds operating restaurants from $25,000 up to $5,000,000. On a clean file, offers cluster toward the higher end of what your deposits support, because underwriting is not carving out room for an existing pull. A common starting point is roughly one month of gross deposits, and a strong clean file with consistent revenue, healthy daily balances, and few negative days often supports more.
The table below shows realistic example ranges for restaurants at different revenue levels. These are illustrative, not quoted offers; your actual amount depends on your statements.
| Monthly deposits | Restaurant profile (example) | Example first-position range | Typical use |
|---|---|---|---|
| $20,000 | Single-location cafe, breakfast and lunch | $25,000 - $40,000 | New espresso line, hood repair, working capital |
| $45,000 | Neighborhood full-service Italian spot | $50,000 - $90,000 | Walk-in cooler replacement, patio buildout |
| $90,000 | Busy taqueria with catering | $100,000 - $175,000 | Second-location deposit, kitchen equipment |
| $250,000 | Two-unit steakhouse group | $300,000 - $500,000 | Remodel, expanded bar program, hiring |
| $600,000+ | Multi-location concept, established operator | $700,000 - $5,000,000 | New units, equipment fleet, acquisition |
Because the file is clean, the offer is not diluted by an existing position, which is what pushes a clean restaurant toward the top of its range instead of the middle.
Approval leans on your business bank deposits and revenue far more than on your credit score, and all credit is considered. When your statements arrive, the underwriter is looking at a short list of things: how much revenue actually clears the account each month, how steady the daily balances are, how many negative or overdraft days appear, and whether any recurring debits look like another funder's pull.
On a clean file, that last item is a non-event, which speeds everything up. There is no second lender to verify, no payoff to coordinate, no stack to untangle. The underwriter confirms deposits and consistency and moves to an offer. That is a large part of why decisions land in roughly 4 to 24 hours: a clean file has fewer moving parts to reconcile. Keep the account healthy in the weeks before you apply, avoid overdrafts, and let normal restaurant volume show, and the file speaks for itself.
First-position funding is deployed the same day pressure hits. Restaurants use it for the equipment that cannot wait, a walk-in that fails on a Friday, an oven or fryer line that goes down mid-service, a hood or refrigeration repair that a health inspection depends on. It funds working capital through a slow season or a rent increase, covers payroll and vendor deposits during a build, and finances the growth that will not pause for a bank timeline: a second location deposit, a patio or dining-room remodel, a bar program, a catering push.
Because a clean file supports the largest offer, it is also the right position from which to fund expansion. The capital that opens your next unit is far easier to secure now, in first position, than after your account is already carrying a pull.
The strongest offer your restaurant will ever command is the one available before you take your first position. The moment any advance begins pulling from your account, every future underwriter prices around it, and the same restaurant gets a smaller number on tighter terms. Applying while the file is clean is not about urgency for its own sake; it is about capturing your best offer at the one time it exists.
Applying does not obligate you to take the money. It tells you exactly what your clean file is worth, in writing, so you can decide with a real number in hand rather than a guess. Submitting takes a few minutes and does not affect your ability to run the restaurant. If your revenue qualifies, you could have a decision within 4 to 24 hours and funding fast after that.
It means your restaurant has never taken a merchant cash advance and nothing is pulling from your operating account. That puts you in first position, which is the strongest position in restaurant underwriting. Because no other funder is taking a daily or weekly cut, an underwriter can commit the full strength of your deposits to one advance, which typically produces a larger offer and better terms than the same restaurant would get with a position already in place.
Prime Restaurant Capital funds operating restaurants from $25,000 to $5,000,000. On a clean first-position file, offers lean toward the higher end of what your deposits support because underwriting is not reserving room for an existing pull. A common starting point is roughly one month of gross deposits, and a strong, steady file often supports more. Your exact amount depends on your bank statements.
No. Approval leans on your business bank deposits and revenue far more than on your credit score, and all credit is considered. Your statements, the revenue clearing your account, steady daily balances, and few negative days matter most. A clean file with no competing pull is the single strongest thing you can bring to underwriting.
Typically 4 to 24 hours. A clean file moves faster than most because there is no existing position to verify, no payoff to coordinate, and no stack to untangle. The underwriter confirms your deposits and consistency and moves to an offer, and funding is fast after approval.
Because the clean file is the leverage, not the timing. The best offer your restaurant will ever command exists only before you take your first position. Once any advance is pulling from your account, every future underwriter prices around it and the number shrinks. Applying now, even just to see the offer, captures your strongest terms while they are still available. Applying does not obligate you to take the funds.
Your recent business bank statements are the core of it, since underwriting is built on deposits and revenue. The application takes a few minutes, and your restaurant should be operating and doing at least $20,000 a month. There are no phone calls to place; the process is apply-only, and if your revenue qualifies you can expect a decision within 4 to 24 hours.
$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