When a grease trap backs up and the health inspector shuts your dining room, you need cash today — not a bank appointment next week.
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.
Enough for a single jetting-and-pump call, or a full interceptor replacement plus excavation and lost-revenue coverage while you're closed.
Steady sales in your bank statements matter more than your credit score. FICO 500+ is fine.
Seeing your number is a soft credit inquiry. No hit to your credit just to find out if you qualify.
You're not putting up your building or your equipment. This is based on the business you're already running.
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.
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.
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.
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.
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.
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.
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.
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Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Start Your ApplicationApproved on your revenue, not just your credit. Start your 1-minute application.
Apply NowWe 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.
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$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
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