For high-grossing restaurants doing $50K–$100K+ a month in deposits. The stronger your numbers, the larger the facility and the better the terms — funded in as little as 24 hours, approved on deposits, not just credit.
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.
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.
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.
Your bank statements tell the story. Large, consistent monthly deposits mean larger offers and better terms — credit is secondary.
Strong revenue outweighs an imperfect score. We look at the business first. Soft pull only, so checking your options never dings your credit.
Statements in and signed before early afternoon ET on a weekday, and same-day funding is on the table. (Friday afternoon signings fund Monday.)
Working-capital facilities are unsecured. You keep your equipment, your lease, and your equity.
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.
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.
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.
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.
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.
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.
No — working-capital facilities are unsecured. There's nothing to pledge for standard working capital.
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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.
Before you go
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
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