You opened, sales are climbing, and the bank still wants two years of tax returns you don't have. We read your deposits instead. A few months of steady sales can be enough.
You built out the space, passed the health inspection, made payroll, and the dining room is filling up. Then you go for working capital and the bank asks for two years of business tax returns. You don't have two years. You have a POS report and a growing pile of deposits.
That's the wall almost every new restaurant hits. Traditional loans and SBA files are built for businesses with a long track record. A restaurant under a year old is invisible to them, no matter how good the food is or how fast sales are ramping.
We look at the opposite thing. Not how long you've been open — how much is actually coming through the door right now. If your merchant and bank deposits show real, consistent sales, that's the track record we underwrite.
A taco spot open 7 months, averaging about $48,000/month in deposits, needed $30K to add a second prep line before summer. No tax returns existed yet. We funded on 6 months of statements — offer out same afternoon, money the next morning.
Roughly 3–6 months of deposits is the honest minimum. Fewer months is harder; more months and steadier sales get you a bigger number. If you opened last week with no deposit history yet, we're not the right fit — come back once a few months are on the books.
Restaurants, bars, cafes, food trucks, ghost kitchens. Under a year open is fine. FICO 500+ OK. A recent tax lien or past credit trouble doesn't automatically kill it if deposits are strong.
Typically $10K–$500K for early-stage working capital, sized to your monthly deposits. As your sales history grows past the first year, larger growth funding opens up.
If your signed agreement and statements are in before early afternoon ET on a weekday, funding is usually same day. Get them in Friday afternoon and it's Monday — we won't pretend otherwise. Speed depends on your bank clearing the deposit, not on a slogan.
Not automatically. If those 4 months show steady, real deposits, we can often work with it. Under about 3 months of history is where it gets genuinely hard, and we'll tell you straight rather than string you along.
No. That's exactly why banks turned you down and why we exist. We underwrite on bank and merchant deposits, not tax returns.
Probably. FICO 500+ is workable. Opening a restaurant is expensive and credit often suffers doing it — strong deposits carry more weight than the score.
No. The initial check is a soft pull. It does not affect your score, and you can see your offer before committing to anything.
No collateral for working capital. This is funded against your future sales, not your equipment or lease.
It's tied to your deposits. A place doing $40K–$50K a month is often looking at somewhere in the $20K–$40K range to start, with more available as your history builds.
If you've got a few months of real sales and a bank that still won't move, put your statements in front of us instead. It's a soft pull to see your number, and if it's a fit, funding can land in as little as 24 hours.
Apply online — a few months of deposits is all we need to look.
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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.
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$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
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