Capital that moves as fast as an L.A. dinner rush
Los Angeles runs on food. From Koreatown's late-night BBQ and the Arts District's chef-driven kitchens to the taco trucks lining the streets and the cafes of Silver Lake and Echo Park, this is one of the most competitive dining markets in the country — and one of the most expensive to operate in. County minimum wage now tops $17.81, insurance and utility bills have jumped hard, rent keeps climbing, and tariffs have pushed produce and supply costs up across the board. When a slow tourism week or an equipment breakdown hits, waiting weeks on a bank isn't an option. Prime Restaurant Capital gives L.A. owners a faster way to get working capital.
1. Apply online
A short application, no collateral for working capital, and just a soft credit pull that won't ding your score.
2. Send statements
Connect a few months of business bank statements. We approve on your deposits and cash flow — not your FICO.
3. Get funded
Sign and get funds in as little as 24 hours. Apply before early afternoon ET on a weekday with statements in and signed, and funding can happen the same day.
What Los Angeles owners use it for
Restaurant funding from $10,000 to $5M — growth capital from $25K to $5M, or emergency capital from $10K to $500K — put to work however your business needs:
- Covering rent, payroll, and utilities through a slow or off-season stretch
- Buying inventory ahead of festivals, Dine LA Restaurant Week, or a busy tourist season
- Repairing or upgrading kitchen equipment, walk-ins, and HVAC
- Building out a patio, opening a second location, or refreshing your dining room
- Marketing a new menu, delivery push, or grand reopening
Who we fund
We fund restaurants, bars, cafes, coffee shops, food trucks, caterers, and other food-service businesses across the Los Angeles area — Downtown, Koreatown, the Arts District, Melrose, West Hollywood, the Valley, and beyond.
- At least a few months in business with steady deposits
- FICO 500+ is okay — approval is based on your revenue, not perfect credit
- Soft credit pull, so applying costs you nothing
- No collateral required for working capital
Ready when you are
Running a restaurant in Los Angeles is hard enough without fighting for capital. Apply online in minutes, keep your kitchen moving, and get a real answer fast.
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