High-Volume Restaurant Funding

Who this is for

This is built for serious restaurant operators — the ones already doing real volume. If your restaurant is running $50,000, $75,000, $100,000 or more through the bank every month, you are not a "bad-credit borrower looking for a lifeline." You are a strong business, and you should be treated like one.

We fund restaurants, and only restaurants. Full-service and fine dining, high-turnover fast-casual, busy bars and lounges, multi-location groups, catering and event operations. When your deposits are large and consistent, you qualify for the top of the range — bigger amounts, longer terms, and pricing that reflects a healthy operation rather than a struggling one.

How much you can get — and how it scales with your deposits

Facilities run from $25,000 up to $5,000,000 (minimum $10,000). But the real point for a high-volume operator is this: the size and terms of your offer are driven by your monthly deposits. The more you gross and the more consistent it is month to month, the more you can access and the better the structure.

A useful rule of thumb: a healthy restaurant can typically access roughly one to one-and-a-half months of deposits as working capital, sometimes more when the trend is strong and steady.

• ~$50,000/month in deposits → offers commonly land around $50,000–$75,000.
• ~$100,000/month in deposits → offers commonly land around $100,000–$150,000.
• $250,000+/month across locations → six- and seven-figure facilities with the longest available terms.

Real example. A steakhouse averaging $95,000 a month in deposits, open a little over two years, owner FICO 610. On that volume the operator was approved for $135,000 in working capital, funded the next business day, and used it to buy out a lease on the space next door and add a private dining room before the fall booking season. Strong, consistent numbers did the heavy lifting — the higher the volume, the bigger the room to move.

How it works — three steps

• 1. Apply in minutes. Short application, soft pull only. No impact to your credit and no obligation.
• 2. Send your last few months of business bank statements. This is where high volume pays off — your deposits set the size and the terms of the offer.
• 3. Review and get funded. Approve the numbers, sign, and funds hit your account in as little as 24 hours. Before early-afternoon ET on a weekday with statements in and signed, same-day is realistic.

What serious operators use it for

• Opening a second, third, or fourth location while the current numbers are strong.
• Buying out a neighboring lease, expanding the dining room, or adding a patio.
• Major kitchen build-outs, hood systems, walk-ins, and equipment upgrades.
• Buying inventory and staffing up ahead of a busy season or a big catering contract.
• Bridging a build-out or renovation without pausing service.
• Marketing and hiring to push an already-busy room to full capacity.

Who qualifies

• A U.S. restaurant or food-and-beverage business (single or multi-location).
• Roughly $50,000+ per month in deposits for the strongest offers — though we fund from $10,000 up.
• Generally 6+ months in business; longer track records unlock larger facilities and better terms.
• FICO 500+ considered — strong deposits carry more weight than the score.
• A business bank account with consistent monthly volume.

The short version

If your restaurant is grossing serious money every month, you have leverage — use it. Strong, consistent deposits mean larger amounts, better terms, and funding in as little as 24 hours. Send your statements and see exactly what your volume qualifies you for. Soft pull, no obligation.

Straight answers

What counts as a high-volume restaurant here?

Roughly $50,000 or more per month in bank deposits — about $600,000 to $1,000,000+ a year. That's the range where you access the larger facilities and the best terms, though we do fund smaller operations from $10,000.

How much can I actually get?

From $25,000 up to $5,000,000. As a rule of thumb, plan on roughly one to one-and-a-half months of deposits, sometimes more when your trend is strong and steady. Your statements set the exact number.

Will higher revenue really get me better terms?

Yes. That's the core of it. The larger and more consistent your monthly deposits, the bigger the amount, the longer the term, and the better the pricing. High volume is your advantage.

Do you check my credit?

Only a soft pull to see your options — it does not affect your score. FICO 500+ is fine because we approve on your deposits, not just your credit.

How fast is funding?

As little as 24 hours. If your statements are in and you sign before early afternoon ET on a weekday, same-day funding is realistic. Sign on a Friday afternoon and it funds Monday.

Do I need collateral?

No — working-capital facilities are unsecured. There's nothing to pledge for standard working capital.