You run a kitchen with no dining room — and most lenders don't get it
You don't have a storefront, foot traffic, or a lease with signage. What you have is a commercial kitchen (yours or a shared commissary), a stack of virtual brands on DoorDash, Uber Eats, and Grubhub, and deposits that hit every week from the delivery platforms. That's a real, cash-generating restaurant. But when you go to a bank, the conversation stalls the second they hear "no seating."
We fund ghost kitchens, virtual restaurants, and delivery-only concepts every week. We don't need you to have a dining room. We look at the money moving through your accounts — the platform payouts, the card settlements, the daily flow. If the deposits are there, you can qualify.
Whether you're adding a second hood and range to run more brands out of one space, covering the marketing spend to climb the delivery rankings, or paying commissary rent while a new virtual brand ramps, this is working capital built for how you actually operate.
How it works
- 1. Apply online in a few minutes. No dining room required, no collateral for working capital. We do a soft pull to check — it does not touch your credit score. FICO 500+ is fine.
- 2. Send your last few months of bank statements. We read your delivery-platform deposits and card settlements to size the offer around real cash flow, not a credit report.
- 3. Sign and get funded. If you're approved with statements in and paperwork signed before early afternoon ET on a weekday, funding can happen the same day. Friday afternoon requests fund Monday.
Approved on deposits
We underwrite the platform payouts and card volume flowing through your accounts — not your credit score or a dining room you don't have.
$25K–$5M growth
Add a hood, build out a second station, open another commissary slot, or fund the delivery marketing to rank higher.
$10K–$500K emergency
Cover a walk-in repair, a POS or KDS failure, or a slow stretch between platform payouts — fast.
Soft pull, FICO 500+
Checking your offer never dings your credit. Lower scores still qualify when the deposits support it.
Real numbers
Say you run three virtual brands out of one shared commissary and average around $70,000 a month in combined delivery deposits. You want to add a second cook line and a dedicated fry station so you can launch a fourth brand and stop turning away order volume during peak hours.
On roughly $70K in monthly deposits, an approval commonly lands in the $50,000–$90,000 working-capital range — enough to cover the equipment, the buildout, and the first stretch of marketing spend for the new brand before its own deposits catch up. Statements in and signed before early afternoon ET on a weekday, and the money can be in your account the same day.
Who qualifies: ghost kitchens, virtual-brand operators, delivery-only concepts, and commissary-based restaurants with steady deposits, FICO 500+, and typically a few months of operating history. No collateral needed for working capital. Multiple locations or multiple brands under one operator are welcome.
Straight answers
Can I get funded without a physical dining room or storefront?
Yes. We approve on the deposits flowing through your bank accounts, not on seating, foot traffic, or signage. Delivery-only is exactly what this is built for.
Do the delivery-platform payouts count as revenue?
Yes. Your DoorDash, Uber Eats, and Grubhub payouts and card settlements showing in your statements are what we read to size your offer.
I run several virtual brands out of one kitchen. Does that hurt or help?
It helps. More brands usually means more combined deposit volume, and we underwrite the total cash flow through your accounts, not the number of concepts.
Will checking my offer hurt my credit?
No. We use a soft pull to check, which does not affect your credit score. FICO 500+ is fine.
How fast can I actually get the money?
If you're approved with statements in and paperwork signed before early afternoon ET on a weekday, funding can happen the same day. Requests finished Friday afternoon fund Monday.
Do I need collateral?
Not for working capital. No collateral required.
What can I use the funds for?
Kitchen equipment, buildout of a second station or hood, commissary rent, delivery and app marketing, packaging, staff, or launching another virtual brand. It's your call.
Ready to fund your next brand?
Apply online, send a few months of statements, and see a real offer sized to your deposits. Soft pull to check — it won't touch your credit. If everything's in before early afternoon ET on a weekday, you could be funded 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