Open the next location, finish the buildout, or acquire the unit down the street — funding sized to what your group already deposits, not your credit score.
This is for operators who are already winning. If your group is doing $50,000–$100,000 or more per month in deposits across one or several units, you don't need a starter loan — you need a capital partner who can move at the speed of a real opportunity. A lease comes open, an equipment package gets negotiated, a competitor puts their location on the market. The operators who grow are the ones who can act before the window closes.
Prime Restaurant Capital funds restaurants and restaurant groups exclusively. We approve on your deposits, not a personal FICO wall. That means your funding scales with your revenue: the stronger and more consistent your monthly volume, the larger the facility and the better the terms. Serious operators, serious numbers.
Facilities run from $25,000 up to $5,000,000, with a $10,000 minimum. The number you qualify for is driven primarily by your average monthly deposits and how consistent they are across your statements. Growing, steady volume across multiple units is exactly the profile that unlocks the top of the range.
Real example: A three-unit group depositing an average of $85,000 per month — roughly $1M a year — is a strong candidate for a multi-hundred-thousand-dollar facility to fund a fourth location buildout. Push consistent monthly deposits toward $150,000+ across the group and the conversation moves into seven figures. The math is simple: the more you deposit, the more we can put behind your next unit, and the sharper the pricing gets.
Submit a short application at /apply/. Soft pull only — checking your options never touches your credit.
Send your most recent business bank statements. We read the deposits across your group and size a facility to your real volume.
Approved and signed with statements in before early afternoon ET on a weekday? You can be funded the same day — in as little as 24 hours. Friday afternoon submissions fund Monday.
We keep it straightforward and built for revenue-strong operators:
Expansion capital only matters if it arrives in time to matter. If your group has the revenue and you've got a location, a buildout, or an acquisition in front of you, get your number and move. Apply in minutes, send your statements, and see exactly how large a facility your deposits support.
Facilities range from $25,000 to $5,000,000. The amount is driven by your average monthly deposits and their consistency across your units — a group averaging $85,000/month often qualifies for a multi-hundred-thousand-dollar facility, and consistent $150,000+/month volume can reach seven figures.
In as little as 24 hours. If you're approved and signed with statements submitted before early afternoon ET on a weekday, funding can happen the same day. Friday-afternoon submissions fund the following Monday.
On revenue. We read your business bank deposits to size your facility. FICO 500+ is fine, and we only run a soft pull to review your options — it won't affect your credit.
Yes. Operators use these facilities for acquisitions, buildouts, new-location openings, equipment packages, and bridging the timing gap on expansion. It's working capital sized to your group's revenue, with no collateral required.
No. The application uses a soft pull, so seeing what your deposits qualify for has no impact on your credit score.
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Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Start Your ApplicationApproved on your revenue, not just your credit. Start your 1-minute application.
Apply NowWe are not a generic small-business lender. Prime underwrites restaurants only — and we fund the way you actually operate.
Every concept — full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.
Before you go
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
START MY 1-MINUTE APPLICATIONNo obligation · takes about a minute