Flexible capital you draw from as needed, up to $275,000. Pay interest only on what you use. Built for restaurants with seasonal or unpredictable cash flow.
A restaurant business line of credit is revolving capital — you're approved for a maximum credit limit (typically $25,000 to $275,000), but you only draw funds when you actually need them. You pay interest only on the amount you've drawn, not the full credit limit. As you repay what you've borrowed, your available credit replenishes, ready to draw again when needed.
Lines of credit are ideal for restaurants because restaurant cash flow is inherently unpredictable. A great Saturday night, a brutal Tuesday lunch, a seasonal slowdown — your capital needs change constantly. A line of credit gives you flexibility traditional loans can't match.
Once approved for a line of credit, you receive access to a credit account. To draw funds, you simply request a transfer through our online portal — typically funds hit your business bank account within hours. Repayment is structured as a series of small daily or weekly automatic ACH withdrawals based on what you've drawn, typically over 6-18 months per draw.
Pre-approved limit. Draw what you need. Pay interest only on drawn amount. Replenishes as you repay. Typical rates 9-25% annually. Best for ongoing variable needs.
Lump sum disbursed at once. Fixed daily/weekly payments. Pay interest on entire amount. Best for defined one-time need, fastest funding.
Revolving credit, typically much smaller limits ($10K-$50K). Higher interest rates (18-29%). Best for small recurring purchases, building credit.
Frequently Asked
Only on what you draw. If you have $100K available and you've drawn $30K, you pay interest only on the $30K.
Once approved and your line is set up, draws are processed within hours. Funds typically appear in your business bank account the same business day.
Lines of credit have much higher limits ($25K-$275K vs $10K-$50K), lower interest rates (9-25% vs 18-29%), and disburse cash to your bank account.
Most line of credit draws are repaid over 6 to 18 months. Larger draws can be structured over 24 months.
Lines of credit are extended to your business and reported to business credit bureaus. Application uses a soft personal credit pull only.
Yes. You can have multiple draws active simultaneously up to your total credit limit.
Nothing. You pay no interest or fees if you don't draw. Our line of credit has no inactivity fee.
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Lump-sum funding from $25K to $5M, fixed terms, fastest path to capital.
Learn MoreRepayment that flexes with daily sales — perfect for highly seasonal restaurants.
Learn MoreBridge slow seasons and cover unexpected expenses with fast cash flow loans.
Learn MoreOperating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Approved on your revenue, not just your credit. Start your 1-minute application.
We 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.