Running a restaurant in Denver means fighting a lot of math at once. Between the 2026 minimum wage of $19.29, climbing food costs, property taxes, insurance, and rent, margins are thinner than they've been in years — and the city has lost hundreds of food-service licenses since 2023. Whether you're on a busy RiNo corner, in a restored LoDo warehouse, or serving the crowds along South Broadway and LoHi, sometimes you need working capital fast to keep the doors open and the kitchen moving. That's exactly what we do.
Prime Restaurant Capital funds restaurants only. We understand seasonal swings, thin margins, and the reality that a Denver kitchen can't wait weeks for a bank decision. We look at your deposits — not just your credit score.
How it works
1. Apply online
A short application, no collateral required for working capital. It's a soft pull, so it won't hurt your credit.
2. Send statements
Share a few months of business bank statements. We approve on your revenue and deposits, so FICO 500+ is okay.
3. Get funded
Once you're approved and signed, funds can hit in as little as 24 hours. Send everything before early afternoon (ET) on a weekday and same-day funding is often possible; Friday afternoons typically fund Monday.
What Denver restaurant owners use it for
- Covering payroll and rising labor costs through slow stretches
- Stocking up on inventory before a busy weekend or festival season
- Kitchen equipment repairs or replacements that can't wait
- Buildouts, patio expansions, or a second location
- Bridging gaps while property tax and insurance bills come due
- Marketing pushes to bring foot traffic back downtown
From full-service spots and breweries to food-hall vendors, taquerias, and fast-casual concepts across Denver and the Front Range, we've helped owners get past the cash crunch and back to what they do best.
Who qualifies
- Denver-area restaurants and food-service businesses
- A few months in business with steady deposits
- FICO 500+ considered — approval is based on revenue
- Amounts from $10,000 up to $5M for growth, or $10K–$500K for emergencies
If you own a restaurant in Denver and need capital that moves as fast as your dinner rush, we're ready to help. Apply now and see what you qualify for — no obligation, no hit to your credit.
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