When the equipment that runs your service fails mid-shift, every closed hour is lost covers — we fund the fix in as little as 24 hours, approved on your deposits, not your credit score.
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.
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.
We read your bank statements, not your credit report. FICO 500+ is OK. The soft pull to check does not affect your score.
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.
$10K–$500K for an emergency like this. Restaurants only. No collateral, no home on the line, no menu of hidden fees.
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.
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.
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.
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.
No collateral. We're not putting a lien on your home or holding the new oven hostage.
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.
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.
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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