The line just went down and the tickets don't stop
The convection oven quit in the middle of a Friday rush. The fryer's not holding temp and half the menu goes through it. The range pilot won't light. Or the POS froze and you physically can't ring a sale — the register's dark, the kitchen printer is silent, and there's a line at the door you can't seat.
You already know what it costs. Every hour the kitchen is cold is a full room of covers you're not turning, staff you're paying to stand around, and a repair or replacement invoice the tech wants settled before the part goes in. The repair company doesn't care that payroll clears Thursday. You need the equipment running now, and you need the money to make that happen today — not after a two-week loan review.
How it works — three steps, same day when it counts
- 1. Apply online in a few minutes. No package to assemble, no tax returns up front. We check with a soft credit pull that does not ding your score.
- 2. Send your last few months of business bank statements. We approve on the deposits going through your restaurant — the real sales — not on your FICO. 500+ is fine. No collateral.
- 3. Sign and get funded. Once we have statements and a signed agreement, funds can hit in as little as 24 hours so you can pay the repair tech or buy the replacement unit and get the line hot again.
We fund the appliance that's down
Combi and convection ovens, deck and pizza ovens, deep fryers, ranges and flat-tops, char-broilers, walk-in and reach-in refrigeration, ice machines, dish machines — and the POS, register, and kitchen display when the whole system goes dark.
Approved on deposits, not credit
We read your bank statements, not your credit report. FICO 500+ is OK. The soft pull to check does not affect your score.
Real speed, honestly stated
Apply before early afternoon ET on a weekday with statements in and the agreement signed, and same-day funding is on the table. Friday afternoon usually means Monday — we'll tell you straight.
Built for one hard day
$10K–$500K for an emergency like this. Restaurants only. No collateral, no home on the line, no menu of hidden fees.
A real example
Say your main oven dies and the tech quotes $9,400 for a rebuild, half down before he orders the part. You apply in the morning, send three months of statements showing steady deposits, and sign by early afternoon. Funds land the same day, the tech gets his deposit, and you're firing entrees for dinner service instead of turning tables away. The point isn't a magic number — it's that the money moves at the speed the emergency does.
Who qualifies: a real restaurant with a few months of operating history and consistent deposits. FICO 500 or better. That's the core of it.
Straight answers
Will checking hurt my credit?
No. We use a soft pull to see if you qualify. It does not affect your score. A harder review only happens later if you move forward.
My credit is rough right now. Am I out?
Probably not. We approve on your restaurant's bank deposits, not your credit score. FICO 500+ is workable. Bad-credit restaurant equipment funding is exactly what this is built for.
Can I really get money the same day?
Yes, when the timing lines up. Apply before early afternoon ET on a weekday, get your statements to us, and sign — funds can move that day. Apply Friday afternoon and it's realistically Monday. We won't promise a miracle we can't deliver.
Do I have to pledge equipment or property?
No collateral. We're not putting a lien on your home or holding the new oven hostage.
What if it's the POS, not a cooking appliance?
Same process. A dead register or POS system means you can't ring sales — that's a revenue emergency, and we fund it the same way we fund a fryer.
What paperwork do you actually need?
The application and your last few months of business bank statements. That's the core. No tax returns or a thick loan package to get started.
The oven's not going to fix itself and the covers aren't coming back. Apply now, check with a soft pull, and get the kitchen running again.
Get funded in 24 hours
Approved on your revenue, not just your credit. Start your 1-minute application.
Why restaurants choose Prime
We are not a generic small-business lender. Prime underwrites restaurants only — and we fund the way you actually operate.
Restaurant-only underwriting
Every concept — full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Funded in 24 hours
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
Approved on your revenue
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Ready to get funded?
Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.
- ✓ 500+ credit
- ✓ 6+ months open
- ✓ $25K+/mo revenue
See how much your restaurant qualifies for
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
START MY 1-MINUTE APPLICATION →No obligation · takes about a minute