How much can my restaurant qualify for in funding?

Restaurants doing $20,000 to $50,000 monthly typically qualify for $25,000 to $150,000. Restaurants doing $50,000 to $200,000 monthly qualify for $150,000 to $500,000. High volume operations doing $200,000+ monthly can qualify for $5,000,000 or more. Funding is based on monthly deposits, not credit score.

What are the requirements to qualify for restaurant funding?

You need at least 6 months in business, $20,000+ in monthly revenue, and a US-based restaurant or food service operation. Personal credit score of 500+ is preferred but not required.

How fast can I get funded?

Most restaurants receive funding within 4 to 24 hours of approval. The application takes about 5 minutes.

Will applying hurt my credit score?

No. Our application uses a soft credit pull only, which has zero impact on your credit score.

Do you fund restaurants with bad credit?

Yes. We approve restaurants based on monthly revenue and cash flow, not credit score alone. Restaurants with credit scores as low as 500 regularly qualify.

Restaurant Funding With No Current Advances in Somerville, MA — $25K–$5M, Same-Day

Somerville restaurants and food-service operators can get $25,000 to $5,000,000 in restaurant funding with no current advances — approved on your sales and card and bank deposits, not just your credit (FICO 500+), with a decision in 2 to 4 hours and same-day funding. Restaurant Funding With No Current Advances is straight first-position capital for restaurants with no open loans or advances. Because you have no open advances, you're an ideal candidate: Somerville restaurants with a clean balance sheet get our best terms and the simplest approval.

Get funded in Somerville — see your amount

Two-to-four-hour decisions. Same-day funding. No obligation. Apply Online →

Why Somerville restaurants choose us

Approved on sales, not just credit. A 500+ FICO in Somerville gets a fair shot when the numbers are there.
No open loan required. This is first-position funding — you don't need an existing advance to qualify.
$25K to $5M. A quick bridge or serious growth capital for Somerville restaurants — one source covers the range.
Same-day speed. Most Somerville approvals come in 2 to 4 hours, funded the same day.

What Somerville restaurants use restaurant funding with no current advances for

Somerville's economy runs on biotech, education, and finance, and owners put this capital to work on:

Your first working-capital injection
Kitchen equipment or inventory
A remodel or second location
Marketing and hiring
A clean, single funding with the best available terms

How it works in Somerville

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Somerville restaurants are funded the same day. Requirements: FICO 500+, 6+ months in business, and $10,000+ in monthly revenue.

Common questions

How fast can a Somerville business get funded? Most approvals come in 2 to 4 hours, with same-day funding once you're approved.

Do I need an existing loan or advance? No. This is first-position funding for Somerville restaurants with no open advances — a clean balance sheet gets the best terms.

What credit score do I need? 500+ FICO is accepted. We underwrite on Somerville sales and card and bank deposits, not the score alone.

Get restaurant funding with no current advances in Somerville today

Fast, first-position funding for Somerville restaurants — approved on revenue, funded the same day. Apply Now ⚡

Restaurant Funding With No Current Advances in Somerville, MA