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 Santa Monica, CA — $25K–$5M, Same-Day

Santa Monica restaurants and food-service operators can get $25,000 to $5,000,000 in restaurant working capital — approved on your sales and card and bank deposits, not just your credit (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 Santa Monica restaurants.

Get funded in Santa Monica — see your amount

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

Why Santa Monica restaurants choose us

Approved on sales, not just credit. A 500+ FICO in Santa Monica gets a fair shot when the numbers are there.
No open loan required. This is first-position funding — you don't need an existing advance to qualify.
$25K to $5M. A quick bridge or serious growth capital for Santa Monica restaurants — one source covers the range.
Same-day speed. Most Santa Monica approvals come in 2 to 4 hours, funded the same day.

What Santa Monica restaurants use restaurant working capital for

Santa Monica's economy runs on tech, entertainment, agriculture, and trade, and owners put this capital to work on:

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

How it works in Santa Monica

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Santa Monica 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 Santa Monica 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 funding for Santa Monica restaurants with no open advances — a clean balance sheet gets the best terms.

What credit score do I need? 500+ FICO is accepted. We underwrite on Santa Monica sales and card and bank deposits, not the score alone.

Get restaurant working capital in Santa Monica today

Fast, first-position funding for Santa Monica restaurants — approved on revenue, funded the same day. Apply Now ⚡

Restaurant Working Capital in Santa Monica, CA