How much working capital can an established restaurant get?

Higher-volume and multi-unit operators qualify for larger facilities — up to $5,000,000 — scaled to combined revenue.

Can I fund multiple locations with one facility?

Yes — funding is based on your total revenue, so it can support cash flow and expansion across several locations.

How fast can I get working capital?

Most businesses fund within 24 hours of approval; smaller amounts can be same-day. The application takes about 5 minutes.

How much working capital can I get?

Amounts run from $5,000 to $5,000,000, scaled to your monthly revenue and deposit history.

Will checking my options affect my credit score?

No. Prequalifying uses a soft credit pull that does not affect your score. A hard pull only happens if you accept an offer.

What can I use the funds for?

Any legitimate business purpose — payroll, inventory, materials, equipment, marketing, covering a slow period, or growth. There are no restrictions on how you use the capital.

Are there any upfront or application fees?

No. Applying and getting a decision is free. Any fees are disclosed in your offer before you accept, so there are never surprises.

Restaurant Bridge Financing (2026): Cover the Gap, Grow On Schedule

Q: Can I qualify with bad credit?

Yes — FICO 500+ can qualify because approval is weighted toward revenue and deposit consistency, not just credit score.

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$25K–$5Mfunding range

24 hourstypical funding

500+credit scores OK

Restaurantsonly — specialist

Frequently asked questions

What is restaurant bridge financing?

Short-term capital that carries a restaurant across a temporary gap — a remodel, a slow season, or an expansion ramp — and is repaid as revenue returns.

Is bridge financing a good idea for a restaurant?

When the gap is temporary and you can see the payoff, a bridge keeps plans on schedule without draining reserves. It's less suited to permanent shortfalls.

What credit score do I need?

FICO 500+ can qualify; approval is weighted toward revenue and deposit history.

How fast can I get funded?

Most operators fund within 24 hours of approval, with a 5-minute application and soft credit pull.

How much can I get?

From $25,000 up to $5,000,000, scaled to your revenue.

Bridge to your next chapter

Apply in 5 minutes with a soft credit pull. Keep your plans moving through the gap.

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Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

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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
$20K+/mo revenue

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