Bridge January, February, or your off-season dip — make rent and payroll, keep your crew, and stock up before the rush. Funded in as little as 24 hours, approved on your deposits.
You know the number. Summer patio was doing $52,000 a week. Now it's January, it's cold, and you're barely clearing $28,000. Rent is still $9,500. Payroll doesn't shrink because the dining room is half empty — you're carrying your line cooks and your two best servers because if you let them go, they're gone when spring hits and you'll never rebuild that crew in time.
Slow season isn't a surprise. It's math. But knowing the dip is coming and having the cash to walk through it are two different things. Rent is due the 1st. Payroll is every other Friday. Your linen bill, your POS fee, your insurance — none of that reads the calendar. You just need enough working capital to keep the lights on and the good people paid until the volume comes back.
That's the whole job of slow season funding: cover the gap, hold your team, and stock up so you're ready the day the rush returns instead of scrambling for product with an empty walk-in.
A 70-seat spot averaging $190K/month in summer drops to $105K in January and February. $40,000 covers two months of the rent-and-payroll gap plus a spring inventory restock. On a busy-season pull-forward, that's real, and it keeps the doors open.
Emergency and bridge amounts start at $5,000 for a single rough month. Need more to cover a long off-season plus a big pre-rush stock-up? Growth capital runs up to $5M for the restaurants that carry it.
We fund one thing: restaurants, bars, cafes, food trucks, catering. We already understand seasonal swings, thin margins, and why holding your crew through February matters. You're not explaining your business to a generalist.
No. That's the point of sending three months — we see the full pattern, not one frozen week. Your strong months tell us the dip is seasonal, not a failing business. Seasonal restaurants are normal to us.
Statements in and signed before early afternoon ET on a weekday, funding can land the same day. Later than that, or Friday afternoon, and you're looking at Monday. We'd rather tell you the truth than sell you a number that doesn't hold.
No collateral for working capital, and FICO 500+ is fine. We approve on deposits. Checking your rate is a soft pull — it will not ding your credit.
Yes. Working capital is yours to use — rent, payroll, a pre-season inventory buy, patio repairs, a hiring push before spring. Most owners split it between surviving the dip and being ready the day traffic comes back.
Your last three months of business bank statements and a signed application. That's it. No tax returns, no P&L, no collateral for working capital.
Slow season ends. When it does, you want your crew intact and your walk-in stocked — not a hole you're still digging out of. Send three months of statements, get a soft-pull decision, and cover the gap. Apply online and you could be funded in as little as 24 hours.
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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.
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