How much can my restaurant qualify for in funding?

Restaurants doing $20,000 to $50,000 monthly typically qualify for $25,000 to $150,000. Restaurants doing $50,000 to $200,000 monthly qualify for $150,000 to $500,000. High volume operations doing $200,000+ monthly can qualify for $5,000,000 or more. Funding is based on monthly deposits, not credit score.

What are the requirements to qualify for restaurant funding?

You need at least 6 months in business, $20,000+ in monthly revenue, and a US-based restaurant or food service operation. Personal credit score of 500+ is preferred but not required.

How fast can I get funded?

Most restaurants receive funding within 4 to 24 hours of approval. The application takes about 5 minutes.

Will applying hurt my credit score?

No. Our application uses a soft credit pull only, which has zero impact on your credit score.

Do you fund restaurants with bad credit?

Yes. We approve restaurants based on monthly revenue and cash flow, not credit score alone. Restaurants with credit scores as low as 500 regularly qualify.

Restaurant Working Capital in Memphis, TN

Memphis restaurants running prime cost above 60% have a margin problem, not a sales problem. $25,000 to $5,000,000 in restaurant working capital buys the room to fix it — approved on sales and deposits, not credit alone (FICO 500+), with a decision in 2 to 4 hours and same-day funding. Restaurant Working Capital gives you flexible operating cash for day-to-day service. You don't need an existing loan or advance to qualify — this is straight first-position capital for Memphis restaurants.

Get funded in Memphis — see your amount

Two-to-four-hour decisions. Same-day funding. No obligation. Apply Online →

Why Memphis restaurants choose us

Judged on what the restaurant earns. A 500+ FICO in Memphis is fundable when covers and deposits hold up.
No existing facility needed. First-position funding, priced for an operator whose books are still clean.
$25K to $5M. A walk-in and a hood replacement, or the full buildout of a second Memphis room.
Faster than a slow month. Most Memphis approvals come in 2 to 4 hours and fund the same day, before the shortfall compounds.

Where restaurant working capital actually moves the numbers for Memphis operators

Restaurant margins in Memphis live and die on prime cost — food and labour as a share of sales — and on the gap between a strong season and a slow one. Capital typically goes to:

Payroll
Food and inventory
Rent and overhead
Seasonal cash-flow gaps
Marketing

How it works in Memphis

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Memphis restaurants are funded the same day. Requirements: FICO 500+, 6+ months in business, and $10,000+ in monthly revenue.

Common questions

How fast can a Memphis business get funded? Most approvals come in 2 to 4 hours, with same-day funding once you're approved.

Do I need an existing loan or advance? No. This is first position, and a Memphis operator carrying no open advances prices best.

What credit score do I need? 500+ FICO is accepted. What matters more is whether sales cover prime cost and rent with something left over.

Get restaurant working capital in Memphis today

Fix the margin, not just the month — Memphis restaurant capital approved on sales, funded the same day. Apply Now ⚡