Fixed monthly payments over 1 to 5 years. Lump sum funding for working capital, equipment, expansion, or refinancing existing higher-cost debt.
A business term loan is the most traditional restaurant financing structure: you receive a lump sum of capital upfront and repay it through fixed monthly payments over a set term (typically 1 to 5 years). The simplicity is the appeal — predictable payments, defined end date, straightforward use of funds. For restaurant operators who need substantial capital and value payment predictability, term funding often make the most sense.
Prime Restaurant Capital structures restaurant term funding from $25,000 up to $5,000,000 for operating restaurants generating $20,000+ in monthly revenue. Funds typically deploy within a few business days of approval, dramatically faster than the 60-120 days traditional banks require for term loan underwriting.
The flexibility of a term loan makes it ideal for substantial, defined business needs:
Working capital funding are typically shorter (6-18 months) with daily or weekly repayment. Term funding are longer (12-60 months) with monthly payments. Term funding are better for substantial planned expenses; working capital is better for shorter-term operational needs.
Line of credit gives you ongoing access to draw funds as needed. Term loan delivers a single lump sum. Line of credit is better for variable cash needs; term loan is better for one-time defined needs.
Revenue-based financing payments scale with daily sales. Term loan payments are fixed regardless of sales. Term funding typically offer lower total cost; revenue-based offers payment flexibility for variable revenue restaurants.
Frequently Asked
12 to 60 months depending on funding amount and use case. Larger amounts often qualify for longer terms.
Yes. Same payment amount each month for the full term. No variable adjustments.
Yes. Most of our term funding allow prepayment without penalty. Some structures offer prepayment discount.
Often no for amounts under $250K with strong revenue. Larger amounts may require business asset collateral.
$1,000,000 for restaurants with strong monthly revenue and time in business.
Typically 1-3 business days from approval. Faster than traditional bank term funding (which take 60-120 days).
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Operating 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.