Capital Built for Philadelphia Restaurants
From the 150-plus independent kitchens lining East Passyunk Avenue to the old factories turned buzzy dining rooms in Fishtown, Philadelphia runs on owner-operated restaurants. Whether you're slinging cheesesteaks in South Philly, working a stall at Reading Terminal Market, or cooking family recipes off the Italian Market on 9th Street, you know the tight margins and slow-season cash crunches that come with the territory. Prime Restaurant Capital funds Philadelphia restaurants fast — and we approve on your deposits, not your credit score.
How It Works
1. Apply Online
A short application with a soft credit pull. No hit to your FICO, no collateral for working capital.
2. Send Statements
Share a few months of bank statements. We look at your revenue and daily deposits, not just your credit.
3. Get Funded
Sign your offer and get funds in as little as 24 hours. Get statements in and signed before early afternoon ET on a weekday and same-day funding is on the table.
What Philly Owners Use It For
Restaurant owners across the city put this capital to work in real ways:
- Covering an expensive Pennsylvania liquor license or long-awaited BYOB-to-bar conversion
- Buildout, new equipment, or a walk-in cooler before the summer rush
- Bridging slow winter weeks in Center City, Queen Village, or Chinatown
- Payroll, inventory, and vendor payments when cash gets tight
- Opening a second location in Kensington, Bella Vista, or Northeast Philly
Who Qualifies
Most Philadelphia restaurants qualify if you have steady deposits. FICO 500+ is OK. We fund cafés, taquerias, cheesesteak shops, full-service dining rooms, food trucks, and bars — $25K to $5M for growth, $10K to $500K for emergencies (minimum $10,000). No collateral needed for working capital.
Ready When You Are
Philadelphia's food scene rewards owners who move fast. If you need capital to keep your kitchen running or take the next step, apply now and see what you qualify for — it only takes a few minutes.
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