Capital built for New York's dining scene
Running a restaurant in New York, NY means competing on some of the toughest blocks in the country. Whether you're on the Lower East Side, feeding the lunch rush in Midtown, holding down a neighborhood spot in Williamsburg or Park Slope, or serving family-run tavernas in Astoria, the pressures are the same: rising rent, higher food and insurance costs, and payroll that never waits. When commercial leases climb every two or three years and a slow winter week can throw off the whole month, waiting weeks on a bank isn't an option.
Prime Restaurant Capital funds restaurants only. We look at your deposits — the money moving through your business — not just your credit score. That means faster answers and capital that actually fits how a New York kitchen runs.
1. Apply online
A short application with a soft credit pull — it won't ding your score. Takes just a few minutes.
2. Send statements
Send your recent business bank statements. We review your deposits, not just your FICO. Credit scores from 500+ are okay.
3. Get funded
Once you're approved and signed, funding can hit in as little as 24 hours.
What New York owners use it for
Capital that works as hard as you do — from $10,000 up to $5M for growth, and $10K to $500K for emergencies. Common uses across the five boroughs:
- Covering rent, payroll, and vendors through a slow stretch or seasonal dip
- Stocking up before Restaurant Week, the holidays, or a summer patio push
- Renovations, new equipment, or building out a second location
- Expanding a food truck or adding delivery and catering capacity
- Emergency repairs — a walk-in, an oven, a leak — that can't wait
We fund the full range: sit-down restaurants, bars, cafes, delis, pizzerias, food trucks, and everything in between.
Who qualifies
- Restaurant, bar, cafe, or food truck in the New York area
- Steady deposits through your business bank account
- FICO 500+ considered — approval is based on your deposits
- No collateral required for working capital
How fast is fast?
If your statements are in and your agreement is signed before early afternoon ET on a weekday, funding can happen the same day. Sign on a Friday afternoon and you're typically looking at Monday. Honest timing, no games.
New York moves fast — your funding should too. Apply now and get a straight answer.
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