Health Inspection Repair Funding for Restaurants

The inspector wrote it up, and now you have a clock running

The walk-in is holding at 45°F instead of 41°F. There's a rusted-through hand sink, a gap under the back door the pest guy keeps flagging, a prep table with a cracked surface that won't sanitize, or a slow floor drain backing up in the dish pit. The health inspector saw it. Now you have a re-inspection date, a list of violations, and a very short window to make them right — or the doors stay closed.

That's the part that actually hurts. It's not the fine. It's the closed sign in the window, the online post with your score, and every day of sales gone while the fix waits on money you don't have sitting in the account this week. The repair is a few thousand dollars. The wait is what wrecks you.

We fund restaurants specifically for exactly this — repairs, equipment, and code compliance work that has to happen now so you pass the re-check and reopen.

How it works — three steps

• 1. Apply online. It takes a few minutes. We do a soft credit pull to check — it does not ding your score. Send your last few months of business bank statements.
• 2. We read your deposits, not your FICO. Approval is based on the money moving through your restaurant, not a credit number. FICO 500+ is fine. No collateral.
• 3. Funds hit your account. Once you're approved with statements in and the offer signed, funding can land in as little as 24 hours — so you can pay the refrigeration tech, the plumber, or the equipment supplier today.

Who qualifies

• Restaurant, bar, café, food truck, or similar food-service business
• Roughly 3+ months in business with regular bank deposits
• FICO 500 or higher — checked with a soft pull that won't hurt your score
• $10K to $500K available, matched to what your repair list actually costs
• No collateral required

Straight answers

How fast can I actually get the money?

Here's the honest speed rule: apply before early afternoon ET on a weekday with your bank statements in and the offer signed, and funding can land the same day. Apply Friday afternoon and it's realistically Monday. We won't promise you an impossible timeline — we'll tell you the real one.

My credit took a hit this year. Does that end it?

No. We approve on your restaurant's deposits, not your credit score. FICO 500+ works, and the check is a soft pull that doesn't lower it.

Will checking cost me anything or hurt my credit?

No. Checking your offer is free and uses a soft credit pull only. Nothing changes on your credit report just for seeing your number.

Can I use it for equipment, not just repairs?

Yes. New refrigeration, a compliant hand sink, sanitizable surfaces, plumbing work, pest remediation, whatever your violation list requires. It's your money to fix what the inspector flagged.

Do I need collateral?

No collateral required.

What if I already have another advance?

That's common and often still workable depending on your deposits. Apply and we'll tell you straight what we can do.

You have a re-inspection date and a fixable problem. Don't let the doors stay closed over cash-flow timing — apply now, see your offer with a soft pull, and get the repairs done.