Capital That Moves as Fast as Phoenix Dining
From the buzzing patios of Roosevelt Row to the local favorites lining Grand Avenue and the family kitchens across Arcadia and downtown, Phoenix runs on independent restaurants. But rent, payroll, and slow summer months in the Valley heat don't wait for a bank's timeline. Prime Restaurant Capital funds restaurants only — and we approve you on your daily deposits, not your credit score. FICO 500+ is fine, it's a soft pull, and there's no collateral required for working capital.
1. Apply Online
Complete a short application at our apply page and send your recent business bank statements. No stacks of paperwork.
2. Get Approved on Deposits
We look at your sales, not just your credit. Most Phoenix owners hear back the same business day.
3. Funded in as Little as 24 Hours
Sign, and funds can hit your account fast — often within a day.
Honest speed rule: if your statements are in and your agreement is signed before early afternoon ET on a weekday, same-day funding is on the table. Sign on a Friday afternoon and you're typically looking at Monday.
What Phoenix Restaurant Owners Use It For
Phoenix tourism spending topped $5 billion recently, and with new flight routes bringing more visitors into the Valley, snowbird and peak-season demand can spike fast. Capital helps you stay ready:
- Hiring and covering payroll through talent shortages and busy tourist stretches
- Adding patio misting, cooling, or extra seating before high season
- Buying inventory and equipment at a discount
- Bridging the slower, brutally hot summer months
- Opening a second location or funding a First Fridays or festival pop-up
- Marketing to reach new downtown and Scottsdale-corridor customers
Who Qualifies
- Restaurants, bars, cafes, food trucks, and hospitality businesses in Phoenix and across the Valley
- FICO 500+ welcome — approved on deposits, not credit
- A few months in business with steady sales
- Soft credit pull only, no collateral for working capital
Amounts run from $25K–$5M for growth and $10K–$500K for emergencies, with a $10,000 minimum.
Ready When You Are
Whether you're expanding on Roosevelt Row or steadying cash flow through the summer, Prime Restaurant Capital gets Phoenix restaurants funded fast. Apply now and get an answer today.
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