Built for restaurant groups ready to scale
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.
How much you can get — and how it scales with deposits
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.
- Range: $25,000 to $5,000,000 (minimum $10,000)
- Sized on: average monthly deposits and consistency across all units
- Better terms: higher, steadier volume earns larger amounts and stronger pricing
- Working capital: no collateral required
How it works — three steps
1. Apply in minutes
Submit a short application at /apply/. Soft pull only — checking your options never touches your credit.
2. Send your statements
Send your most recent business bank statements. We read the deposits across your group and size a facility to your real volume.
3. Get funded
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.
What serious operators use it for
- Opening new locations — deposits, first and last month's rent, and pre-revenue payroll for the next unit
- Buildouts and renovations — kitchen buildout, dining-room refresh, patio expansion, or a full concept upgrade
- Acquisitions — buying out a competitor, absorbing a location, or taking over an existing lease and turnkey space
- Equipment and kitchen packages — line equipment, walk-ins, POS, and tech rollouts across units
- Bridging expansion timing — covering the gap between signing a lease and the day the new unit turns cash-flow positive
Who qualifies
We keep it straightforward and built for revenue-strong operators:
- At least a few months of operating history with real, trackable deposits
- Strong monthly volume — our best facilities go to groups depositing $50,000–$100,000+ per month
- FICO 500+ is fine; we lead with your deposits, not your score
- Soft pull to check options; no collateral required for working capital
Ready when your next opportunity is
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.
Straight answers
How much expansion funding can a restaurant group qualify for?
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.
How fast can I get funded to open another location?
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.
Do you approve on credit or on revenue?
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.
Can I use this to acquire another restaurant?
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.
Does checking my options hurt my credit?
No. The application uses a soft pull, so seeing what your deposits qualify for has no impact on your credit score.
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