Restaurant Renovation & Remodel Financing — $25K to $5M

You know exactly what the room needs — you just need the capital to do it right

The booths are worn. The kitchen you built out eight years ago can't keep up with the covers you're doing now. Maybe you finally landed the space next door and you want to knock through the wall. Whatever it is, you're not in a panic — you're planning. You want to remodel the dining room, refresh the bar, re-equip the line, or do a full buildout, and you want to move on it before the busy season instead of after.

The problem isn't the vision. It's that a bank wants three years of tax returns, a contractor's full bid package, and 45 days to say "maybe" — and every week you wait is a week the dated room keeps costing you covers. You need renovation capital that works on the reality of a restaurant: strong deposits, seasonal swings, and a timeline that matches your build.

How restaurant renovation financing works here

• 1. Apply online and send 3 months of bank statements. That's the core of it. We're a restaurant-only funder, so we read your deposits the way an operator does — not the way a credit algorithm does. No full business plan, no contractor bid package required to get an offer.
• 2. We approve on deposits, not your FICO. We check credit with a soft pull only — it never touches your score. FICO 500+ is fine. What matters is the money moving through your account. No collateral required for working-capital renovation funding.
• 3. Fund and start the build. Once you're approved and you've signed, funds hit fast — often within 24 hours. You take one lump sum for the whole project, or structure it to match your phases. Then you call the contractor.

Straight answers

Do I need contractor bids or a full project plan to apply?

No. Unlike a bank construction loan, we don't require a bid package or drawings to make you an offer. We base the approval on your bank deposits. You decide how to spend the funds on the remodel.

Will checking hurt my credit?

No. We use a soft pull to check eligibility, which does not affect your credit score. You can see where you stand before committing to anything.

My credit isn't great — the last remodel and COVID beat it up. Can I still get funded?

Yes. FICO 500+ is workable because we're underwriting your deposits, not your credit history. Strong, steady money moving through the account matters far more than the score.

How much can I get for a renovation?

Anywhere from $25,000 to $5,000,000, sized to your monthly deposits and the scope of the project. A dining refresh looks different from a full kitchen buildout, and we structure accordingly.

How fast can I actually have the money?

As little as 24 hours after you're approved and signed. Send clean statements before early-afternoon ET on a weekday and same-day funding is realistic. Friday afternoon requests typically fund Monday.

Do I need to put up collateral?

Not for working-capital renovation funding. Most remodels and buildouts are funded unsecured, based on your deposits.

Ready to build?

If you already know what the room needs, don't let a 45-day bank process push the remodel past your busy season. Send three months of statements, get an offer approved on your deposits, and start the build — often within 24 hours.

Apply online now. Soft pull only, no phone tag, no commitment to see your number.