$25K–$5M for growth, $10K–$500K for emergencies. Approved on your bank deposits, not your credit score. Soft pull to check, FICO 500+ OK, and funding in as little as 24 hours.
You run a pizzeria. The margins are thin, the volume is high, and the whole thing depends on equipment that runs hot every single day. A deck oven that stops holding temperature, a walk-in cooler that dies with $4,000 of cheese and dough inside, a delivery car that finally gives out during your busiest month — these aren't someday problems. They're this-week problems, and a bank underwriting process that takes three weeks doesn't fit the reality of a kitchen.
Then there's the other side: the growth you can see but can't reach. A second oven to double your Friday output. A patio buildout. Buying dough and cheese in bulk before prices climb. Getting through a slow January without laying off the crew you spent a year training. That's what this funding is built for — the emergencies and the expansions, decided on how your shop actually runs, not on a credit score.
We look at what your pizzeria actually brings in every month — your bank deposits, delivery and dine-in revenue — not just a FICO number. FICO 500+ is fine.
Seeing what you qualify for is a soft pull. It does not ding your credit. You find out before you commit to anything.
Funding in as little as 24 hours. When the equipment your revenue depends on stops working, speed is the whole point.
Working capital doesn't require you to put up your building or your equipment. We fund the shop on its performance.
A neighborhood pizzeria doing about $70,000 a month in deposits comes in because their main deck oven is failing mid-service. A replacement double-deck oven plus install runs $18,000 — money they don't have sitting idle in December. They qualify for $30,000 in working capital, get the statements in before early afternoon on a Tuesday, sign, and the oven's ordered by the next day. They also keep the extra cushion for the slow weeks after the holidays.
That's the pattern: a shop with steady deposits and a real, specific need gets a decision based on the deposits — not turned away because a personal credit score took a hit two years ago.
Who qualifies:
Yes. We approve on your bank deposits, not your credit score. FICO 500+ is workable because your shop's real revenue carries the decision.
No. Checking what you qualify for is a soft pull only. It doesn't affect your credit at all.
In as little as 24 hours. The honest rule: if you apply and get your bank statements in before early afternoon Eastern on a weekday and everything's signed, same-day funding is possible. Apply Friday afternoon and it lands Monday.
No collateral is required for working capital. We fund your pizzeria based on how it performs.
Whatever the shop needs — a new or second oven, refrigeration, dough and cheese inventory, a delivery vehicle, hiring drivers, covering a slow winter, or a full expansion. It's your capital.
Yes. Seasonal swings are normal for pizzerias and we underwrite with that in mind. Steady deposits across the year matter more than one slow month.
Whether it's a dead oven tonight or a second location next quarter, you can see what your pizzeria qualifies for with a soft pull that won't touch your credit. It takes a few minutes to find out.
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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