Capital built for restaurant operators
Coordinate tenant improvements, kitchen equipment, permits, professional fees, deposits, and opening reserves.
Quick answer
Restaurant buildouts combine construction risk with an immovable rent clock. A complete budget must include hard costs, soft costs, landlord reimbursements, equipment, pre-opening payroll, initial inventory, and contingency.
Decision matrix
| Option | Best aligned with | Typical process | Watch closely |
|---|---|---|---|
| Tenant-improvement allowance | Lease-negotiated improvements | Reimbursement or draw based | Understand conditions and timing |
| Equipment financing | Kitchen, refrigeration, POS, furniture | Several days to weeks | Asset-specific |
| Term financing | Long-lived construction costs | Longer underwriting | Better duration match |
| Working capital | Deposits and pre-opening operations | Potentially fast | Use selectively |
Action plan
Decision-quality file
Underwriting is clearer when the requested amount is tied to the specific operating event described on this page—not a rounded maximum. The file should connect executed lease with architect and contractor plans, then show the date and source of expected repayment.
Present a base case and a downside case. The downside case should assume that the expected cash event arrives later than planned while the proposed payment still begins on schedule. If ordinary operations cannot support that case, reduce the request, change the product, negotiate the underlying expense, or wait.
A strong request answers four questions in plain language: What creates the need? Why is the amount correct? What business event repays it? What happens if that event is delayed?
Offer review
Prepare once
Risk controls
Answer-ready guidance
Professional fees, utility upgrades, smallwares, technology, signage, permits, deposits, pre-opening payroll, training, and opening inventory.
Yes. Separating movable equipment from construction can preserve cash and match the financing to the asset.
Keep it as a separate controlled reserve and define which events justify using it.
Authoritative starting points
Product availability, qualification, cost, and timing vary. This page is educational and does not constitute a financing commitment.
Next step
Prime Restaurant Capital focuses on restaurant-specific working capital, equipment, and expansion funding. A complete application allows the request to be evaluated; it does not guarantee approval or a particular funding time.
Review funding optionsApproved on your revenue, not just your credit. Start your 1-minute application.
We 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.