Step-by-step guide for restaurant operators to secure funding from $25K to $5M, decision today, money tomorrow.
No tax returns, no business plan, no P&L required.
One direct lender at a time. Stacking creates underwriting noise and signals desperation.
Reject any lender refusing to disclose total dollar cost. Calculate: total repaid − amount funded = total cost.
Deploy capital toward measurable ROI — equipment that increases capacity, marketing that drives bookings, inventory that turns. After 6-12 months clean repayment, refinance into better terms.
Frequently Asked
4-24 hours of signing for working capital and MCAs.
Working capital and revenue-based financing — FICO 500+ and $20K+ monthly revenue qualifies most restaurants.
Working capital, MCAs, lines of credit, RBF: typically no. SBA and equipment financing: often 10-30%.
5-minute application. Soft credit pull only. Approved businesses funded within 24 hours.
Approved on your revenue, not just your credit. Start your 1-minute application.
We underwrite restaurants only — and fund the way you actually operate.
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.
Approved on your deposits, not just your score. Funded in as little as 24 hours.