Capital built for Austin restaurants
From the food trucks and patios along South Congress to the barbecue joints and farm-to-table kitchens on Austin's East Side, running a restaurant in this city is expensive right now. Austin operators are getting squeezed hard — 91% report higher food costs and 89% report higher labor costs — and rent along corridors like SoCo and Rainey Street keeps climbing. Prime Restaurant Capital funds restaurants only, and we look at your daily sales, not your credit report. If your deposits are strong, you can be approved even with bumps on your record.
How it works
- Apply online — a short application with a soft credit pull that won't hurt your score.
- Send recent statements — we base approval on your restaurant's deposits, not FICO. Scores of 500+ are fine.
- Get funded fast — sign and you can have capital in as little as 24 hours.
Apply before early afternoon Central on a weekday with statements in and paperwork signed, and same-day funding is on the table. Friday afternoon applications typically fund Monday.
Staffing & payroll
With only about half of Texas restaurants fully staffed, Austin owners use funding to cover payroll, raise wages, and keep the line moving through festival season.
Equipment & buildout
New walk-in, hood repair, patio expansion, or a second location in East Austin or Domain — get the cash to move before the moment passes.
Inventory & slow weeks
Stock up ahead of SXSW, ACL, and UT football crowds, or smooth out the quiet stretches between them.
Who qualifies
- Austin-area restaurants, bars, cafés, food trucks, and hospitality businesses
- FICO 500+ considered — approval is based on deposits
- $10,000 minimum; $25K–$5M for growth, $10K–$500K for emergencies
- No collateral required for working capital, soft credit pull only
Ready when you are
Whether you're a taqueria off East 6th or a chef-driven spot on South Congress, capital shouldn't take weeks. Apply now and get an answer fast — funding for Austin restaurants, done the simple way.
Get Your Restaurant Funded in 24 Hours
Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Start Your Application →Get funded in 24 hours
Approved on your revenue, not just your credit. Start your 1-minute application.
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
- ✓ $25K+/mo revenue
See how much your restaurant qualifies for
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
START MY 1-MINUTE APPLICATION →No obligation · takes about a minute