How much can my restaurant qualify for in funding?

Restaurants doing $20,000 to $50,000 monthly typically qualify for $25,000 to $150,000. Restaurants doing $50,000 to $200,000 monthly qualify for $150,000 to $500,000. High volume operations doing $200,000+ monthly can qualify for $5,000,000 or more. Funding is based on monthly deposits, not credit score.

What are the requirements to qualify for restaurant funding?

You need at least 6 months in business, $20,000+ in monthly revenue, and a US-based restaurant or food service operation. Personal credit score of 500+ is preferred but not required.

How fast can I get funded?

Most restaurants receive funding within 4 to 24 hours of approval. The application takes about 5 minutes.

Will applying hurt my credit score?

No. Our application uses a soft credit pull only, which has zero impact on your credit score.

Do you fund restaurants with bad credit?

Yes. We approve restaurants based on monthly revenue and cash flow, not credit score alone. Restaurants with credit scores as low as 500 regularly qualify.

Restaurant Equipment Financing in San Mateo, CA — $25K–$5M, Same-Day

San Mateo restaurants and food-service operators can get $25,000 to $5,000,000 in restaurant equipment financing — approved on your sales and card and bank deposits, not just your credit (FICO 500+), with approval in 1 to 3 days. Restaurant Equipment Financing funds new or used kitchen equipment with the equipment as collateral. You don't need an existing loan or advance to qualify — this is straight first-position capital for San Mateo restaurants.

Get funded in San Mateo — see your amount

Two-to-four-hour decisions. Same-day funding. No obligation. Apply Online →

Why San Mateo restaurants choose us

Approved on sales, not just credit. A 500+ FICO in San Mateo gets a fair shot when the numbers are there.
No open loan required. This is first-position funding — you don't need an existing advance to qualify.
$25K to $5M. A quick bridge or serious growth capital for San Mateo restaurants — one source covers the range.
Same-day speed. Most San Mateo approvals come in 2 to 4 hours, funded the same day.

What San Mateo restaurants use restaurant equipment financing for

San Mateo's economy runs on tech, entertainment, agriculture, and trade, and owners put this capital to work on:

Buy or replace ovens, ranges, and fryers
Add a walk-in cooler or freezer
Upgrade the line
Outfit a second location

How it works in San Mateo

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, San Mateo restaurants are funded the same day. Requirements: FICO 500+, 6+ months in business, and $10,000+ in monthly revenue.

Common questions

How fast can a San Mateo business get funded? Most approvals come in 2 to 4 hours, with same-day funding once you're approved.

Do I need an existing loan or advance? No. This is first-position funding for San Mateo restaurants with no open advances — a clean balance sheet gets the best terms.

What credit score do I need? 500+ FICO is accepted. We underwrite on San Mateo sales and card and bank deposits, not the score alone.

Get restaurant equipment financing in San Mateo today

Fast, first-position funding for San Mateo restaurants — approved on revenue, funded the same day. Apply Now ⚡

Restaurant Equipment Financing in San Mateo, CA