Multi-Unit Restaurant Funding, Sized Across Every Location

Who this is for

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.

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

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.

• Approved on combined deposits, not a single location's numbers
• FICO 500+ is fine — deposits carry the decision
• Soft credit pull to review; no hit to your score to see terms
• No collateral required for working capital

How it works

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.

What serious operators use it for

• Opening or building out the next location
• Buying equipment for multiple kitchens at once
• Covering a new lease deposit or securing a site fast
• Bridging seasonal swings across the group
• Bulk inventory and vendor buys at better pricing
• Renovations and refreshes without pausing operations
• Payroll and staffing through an expansion

Who qualifies

• Multiple restaurant locations under common ownership
• Consistent monthly deposits — the higher and steadier, the better the offer
• FICO 500 or above
• Business bank statements you can share
• Roughly $50,000+ a month in combined deposits is where multi-unit facilities really open up

The close

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.

Straight answers

Do you look at each location separately or combined?

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.

Can I get funding if one location is newer or slower?

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.

Will applying hurt my credit?

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.

How fast can a multi-unit group actually get funded?

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.

How large can the facility go for a bigger group?

Up to $5,000,000. Groups with $200,000+ a month in combined, consistent deposits are where the larger facilities and best terms live.

Do I need collateral?

Not for working capital. Approval is based on your restaurants' deposits, not on pledged assets.