Rooftop unit dead and the dining room is 90 degrees? Get $10K–$500K to fix it, funded in as little as 24 hours.
The rooftop unit quit sometime during prep. By the time the lunch rush hits, the dining room is climbing past 85 and the kitchen line is even worse. Guests fan themselves with the menu, order water, skip the app and the second round, and leave early. Your servers are miserable and short on tips. Some of them won't come back tomorrow if it's like this again.
Or it's January and the heat is out — the front tables by the window are empty because they're freezing, and you're seating everyone in the back half of a room built for double the covers.
The HVAC company can be there fast, but the compressor or the whole condenser is a real number — often $4,000 to $18,000 — and they want to be paid before they order the part. You don't have that sitting in the account in June, right before payroll. So you're stuck deciding between limping through a broken dining room or draining the money you need for food and staff on Friday.
Enough for a single rooftop compressor or a full multi-unit replacement — you choose the amount when you apply.
Steady sales matter more than your credit score here. FICO 500+ works.
Seeing your offer won't touch your credit. No collateral, no personal assets on the line.
This is all we fund. We know what a dead condenser on a hot Saturday actually costs you.
Run the math on the thing you're weighing. Say you turn 120 covers on a hot Saturday at an average check of $38 — that's about $4,560. With the AC out, half your guests skip a drink and dessert and a chunk just don't show or walk out; a 40% hit is easy. That's roughly $1,800 gone in one night, plus the tip income that makes your best servers quit.
Wait three weekends for cash to build back up and you've quietly lost more than the $6,000 compressor would have cost — and you still have the broken unit. Fixing it now, on funding, is almost always the cheaper number.
Who qualifies: restaurants, bars, cafes, food trucks, and QSRs generally doing at least $20K/month in deposits, open about 6 months or more, with a business checking account. That's most of the operators who land on this page.
Here's the honest speed rule: submit before early afternoon ET on a weekday with your bank statements uploaded and the offer signed, and same-day funding is on the table. Get it done Friday afternoon and you're realistically looking at Monday. So if the unit died this morning, apply now, not tonight.
No. We're looking at your deposits — the cash actually moving through your restaurant. FICO 500+ is fine, and checking your offer is a soft pull that won't lower your score.
No collateral required. We're not asking you to pledge equipment or your home to fix an AC unit.
Yes. Compressor, condenser, full rooftop replacement, the labor, the emergency service call, a temporary rental unit to keep the doors open — it's your money once it funds. Most owners cover the fix and keep a little cushion for the payroll they were worried about.
That's what the higher end of the range is for. Multi-unit or full rooftop replacements can run well into five figures — you pick the amount when you apply, up to $500K.
No. The whole thing is the online application. Fill it out, connect your statements, review your offer.
Your dining room shouldn't be losing covers to a dead compressor. Start your application and fix it before the next rush.
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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.
START MY 1-MINUTE APPLICATIONNo obligation · takes about a minute