Emergency Funding for Grease Trap & Drain Failures

The trap backed up and now you can't open

It usually starts on the floor. Gray water and grease pushing back up through the mop-sink drain, the dish pit, or the floor drains in the kitchen. Then the smell. Then someone calls the city — or the health inspector was already coming — and now there's a placard on your door that says you can't serve food until it's remediated and re-inspected.

You know exactly what this is. A grease interceptor that's failed or overflowed, a collapsed or root-choked lateral line, a sewage backup that's contaminated your prep area. The plumber or grease-hauler can be there today, but they need to jet the line, pump and clean the interceptor, maybe excavate and replace a section of pipe — and the invoice for emergency after-hours plumbing plus remediation runs from a few thousand to well into five figures. Every day the placard stays up is a day of zero revenue while rent, payroll, and food spoilage keep charging.

This is the exact spot restaurant funding is built for: a health-code shutdown you didn't plan for, that costs money to fix and costs more the longer it waits.

How it works — three steps

• Apply online in a few minutes. No paperwork mountain. You give us the basics and connect your last few months of business bank statements.
• We check your deposits, not your FICO. Approval is based on the money moving through your restaurant's bank account — your daily sales — not your credit score. Checking your rate is a soft credit pull, so it does not ding your credit.
• Sign and get funded. Once you're approved and sign, funds can hit your account in as little as 24 hours — fast enough to pay the emergency plumber and the remediation crew and get re-inspected.

A real cost-of-waiting example

Say a full-service spot doing about $9,000 a day gets red-tagged Tuesday morning for a sewage backup from a failed grease interceptor. The fix — after-hours jetting, pumping the trap, replacing a cracked section of lateral line, and sanitizing the kitchen — comes to roughly $14,000. Waiting on a bank means the dining room stays dark until at least the following week.

Closed five days at $9,000/day is $45,000 in sales gone, plus spoiled inventory and staff you may lose to other jobs. Funding the $14,000 fix within 24 hours and reopening two days later instead of seven saves roughly $27,000 in lost revenue alone — before you count the walk-ins who don't come back. The math on the cost of waiting is almost always worse than the cost of the money.

Who qualifies

• Restaurants, bars, cafes, food trucks, and ghost kitchens open and taking deposits.
• Typically at least a few months of business bank history with steady sales.
• FICO 500 and up — lower scores are still worth applying with.
• You can show recent business bank statements (this is what we underwrite on).

Straight answers

How fast can I actually get the money?

Here's the honest speed rule: if you apply before early afternoon Eastern on a weekday, with your bank statements in and your approval signed, same-day funding is realistic. Get everything in late in the day and it's usually the next morning. Apply Friday afternoon and it most likely funds Monday — banks don't move money over the weekend.

Will checking hurt my credit?

No. Checking your rate is a soft credit pull. It does not affect your credit score. You can see what you qualify for before deciding anything.

My credit is bad — is it worth applying?

Yes. We approve on your restaurant's bank deposits, not your credit score. FICO 500+ is fine, and we look at the cash flow moving through your business, which is a truer picture of whether you can handle funding.

Do I need collateral?

No collateral required. We're not asking for a lien on your building or your equipment. Approval is based on the sales you're already doing.

What can I use it for?

Anything the emergency needs: the plumber's invoice, grease-trap pumping and replacement, line excavation, kitchen sanitation and remediation, the re-inspection, and covering payroll and rent while you're closed.

How much can I get?

Anywhere from $10,000 to $500,000, sized to your sales. A quick jetting call and a full interceptor rebuild are very different numbers, and we fund both.

A grease-trap failure is a today problem, not a next-week problem. Apply now, check your rate with a soft pull, and get the cash to reopen fast.