Capital for restaurant groups and multi-location operators — approved on your combined deposits, not paperwork. $25K to $5M, funded in as little as 24 hours.
You run more than one restaurant. Maybe two locations, maybe twelve — a growing group, a franchise portfolio, or a concept you're rolling out unit by unit. Your combined deposits are strong: $50,000, $100,000, or several hundred thousand a month flowing across your accounts. You don't need a bad-credit lifeline. You need capital sized to what your locations actually produce, and you need it before the opportunity — a lease, a buildout, a slow season — moves past you.
This is built for serious operators. The more consistent your deposits across units, the larger the facility and the better the terms. We look at what your restaurants bring in, not just a personal credit score.
Funding runs from $25,000 to $5,000,000 (with a $10,000 minimum). For a multi-unit operator, the number is driven by your total monthly deposits across locations. Stronger and steadier volume means a bigger approval and a longer term.
Real example: A three-location group doing a combined $90,000 per month in deposits — roughly $1.08M a year — is typically in range for a $90,000 to $180,000 facility, and often more when the deposit history is clean and consistent across all three units. Push combined deposits toward $200,000+ a month and facilities well into the mid-six figures and beyond come into reach.
Short application. Tell us how many locations you run and roughly what they deposit each month. Soft pull only.
Recent business bank statements across your accounts. That's what sizes the offer — real deposit volume, not projections.
Review terms, sign, and funds move. Statements in and signed before early-afternoon ET on a weekday can fund the same day.
Three steps, honest timing. If your statements are in and your agreement is signed before early-afternoon Eastern on a weekday, funding can land the same day. Sign Friday afternoon and it's Monday — that's just how the banking day works, and we'd rather tell you straight than promise something we can't hit.
If you're running a real restaurant group with real deposit volume, you shouldn't have to fit into a generic small-business box. Send your statements, get a facility sized to your locations, and keep your momentum. Apply now and see your terms.
Combined. We size the facility on total deposits across all your accounts, so a group is stronger together than any single unit would be on its own.
Yes. A newer or slower unit doesn't sink the deal — your overall deposit strength across the group is what drives the approval and the amount.
No. We use a soft pull to review, so checking your terms won't affect your score. FICO 500+ works because deposits carry the decision.
As little as 24 hours. Statements in and agreement signed before early-afternoon ET on a weekday can fund the same day; Friday afternoon signings fund Monday.
Up to $5,000,000. Groups with $200,000+ a month in combined, consistent deposits are where the larger facilities and best terms live.
Not for working capital. Approval is based on your restaurants' deposits, not on pledged assets.
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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