Refresh the dining room, gut the line, or build out a second concept. We approve on your bank deposits, not your credit score. Soft pull to check — apply online in minutes.
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.
A 90-seat neighborhood grill averaging about $145K/month in card and cash deposits wanted to reface the bar, re-upholster the whole floor, and rebuild the host station before the fall rush. Bank wouldn't move without a full appraisal. They sent three months of statements on a Tuesday morning, signed by early afternoon, and funded $180,000 the same day — demo started that weekend.
A booth refresh and a coat of paint sits at the low end. A full kitchen buildout, a second location, or a gut renovation can run into the millions. We size the offer to your deposits and the scope, not to a rigid formula.
Open at least 4–6 months, roughly $20K+/month in deposits, and a business bank account you actually run the restaurant through. FICO 500+. No collateral needed for working-capital renovation funding.
Statements in and signed before early afternoon ET on a weekday = same-day funding is on the table. Send it Friday afternoon and you're looking at Monday. We won't promise you a wire that can't clear.
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.
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.
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.
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.
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.
Not for working-capital renovation funding. Most remodels and buildouts are funded unsecured, based on your deposits.
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.
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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