Miami runs on its restaurants. From the Cuban counters along Calle Ocho in Little Havana to the wood-fired kitchens and sushi rooms of the Wynwood Arts District, the rooftop concepts in Brickell, and the food trucks and cafes serving neighborhoods across Miami-Dade — this is one of the most competitive dining scenes in the country. It's also one of the most seasonal. Winter, spring break, Art Basel, and the F1 Grand Prix pack the dining rooms, then the summer lull hits and the crowds thin out fast. Add climbing payroll, rising food and delivery costs, and Miami's famously slow permitting, and even a busy restaurant can run short on cash at exactly the wrong moment.
Prime Restaurant Capital funds restaurants, and only restaurants. We look at your deposits — the money actually moving through your business — not just your credit score. That means a Miami owner can get a real answer fast, without putting up collateral for working capital.
1. Apply online
A short application and your last few months of business bank statements. Soft credit pull — checking your options won't ding your score.
2. Get a real answer
We review your deposits and revenue, not just FICO. FICO 500+ is fine. Most owners hear back the same day.
3. Funds in as little as 24 hours
Get statements in and signed before early afternoon ET on a weekday and funding can land the same day. Friday afternoon submissions typically fund Monday.
What Miami restaurant owners use it for
- Bridging the summer slowdown after a strong season
- Payroll and inventory when a big weekend or event is coming up
- New equipment — line, walk-in, POS, patio buildout
- Rent, deposits, and covering permitting delays on a new location
- Marketing to stand out in a crowded neighborhood
- Emergency repairs after a storm or equipment failure
We fund full-service and quick-service restaurants, bars and lounges, cafes and coffee shops, bakeries, food trucks, catering operations, and ghost kitchens across the Miami area. Growth capital runs $25K to $5M; emergency funding runs $10K to $500K. Minimum $10,000.
Who qualifies
- A Miami-area restaurant or food business generating consistent deposits
- A few months of operating history and business bank statements
- FICO 500 or higher — approval is based on revenue, not perfect credit
- No collateral required for working capital
If you run a restaurant in Miami and need capital that moves as fast as your dining room does, apply today. It takes a few minutes, the credit check is soft, and you could have funds in hand within 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