Running a restaurant in Chicago means living with the swings. Summer weekends on the patios of Fulton Market, packed rooms during Restaurant Week, lines down Randolph Street in the West Loop — then a brutal January where a snowstorm can cut dine-in traffic by 20% overnight. Whether you're on Restaurant Row, in River North, up in Wicker Park, or serving late in Greektown, Chicago owners know cash flow doesn't stay flat. Prime Restaurant Capital gives you fast working capital that moves as quickly as your city does — approved on your deposits, not your credit score.
How it works
- Apply online — a few quick details about your restaurant. Soft credit pull only, so checking won't hurt your FICO.
- Send your statements — we look at your deposits and cash flow, not just credit. FICO 500+ is fine.
- Get funded fast — approvals come back quickly and funding can hit in as little as 24 hours. Send signed docs and statements before early afternoon ET on a weekday and same-day is possible; Friday afternoons fund Monday.
Cover the slow season
Chicago winters hit hard. Bridge the gap from the holidays through spring without falling behind on rent or payroll.
Gear up for summer
Build out patio seating, add staff, and stock up before the Lake Michigan crowds and festival season arrive.
Fix what breaks
A walk-in cooler or line oven dies at the worst time. Emergency capital from $10,000 keeps your kitchen open.
What Chicago owners use it for
Our funding works for full-service restaurants, neighborhood bars, cafes, taquerias, pizzerias, and food trucks across the metro. Owners use it for new equipment, kitchen buildouts, hiring and payroll, inventory and food costs, marketing, a second location, or simply smoothing out a slow stretch. Growth capital runs $25K–$5M; emergency working capital runs $10K–$500K, with a $10,000 minimum.
Who qualifies
- An operating Chicago-area restaurant, bar, cafe, or food truck
- Consistent deposits — we approve on cash flow, not perfect credit
- FICO 500+ (soft pull, no ding to check your options)
- No collateral required for working capital
If you run a restaurant in Chicago and need capital fast, apply now. It takes minutes, it's a soft pull, and you could be funded in as little as 24 hours.
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