Funding from $25,000 to $5,000,000 to keep payroll, inventory, vendors, and rent fully covered — even through slow weeks. Funded in 4 hours.
Restaurant working capital is short-term funding that covers the everyday operational costs of running a restaurant — payroll, food and beverage inventory, rent, vendor payments, utilities, and the seasonal cash flow gaps that every operator deals with. Unlike equipment financing, which is tied to a specific purchase, working capital is flexible. You decide where it goes.
If your restaurant is generating at least $20,000 in monthly revenue and has been open at least 6 months, you qualify. Our working capital starts at $25,000 and goes up to $5,000,000 based on your monthly bank deposits. Most restaurants receive funding within 24 hours of approval.
Working capital from Prime Restaurant Capital is a lump-sum advance you receive in your business bank account, which you repay over a fixed term — typically 6 to 18 months — through small daily or weekly automatic ACH withdrawals. There's no balloon payment, no surprise fees, and the total cost is disclosed upfront before you sign.
Because we underwrite based on cash flow rather than credit score alone, we can approve restaurants that traditional banks would reject. We look at your monthly deposits, the consistency of those deposits, and how long you've been operating. Your personal credit matters less than your restaurant's revenue history.
Funding scales directly with your monthly revenue. Here's what restaurants typically qualify for based on monthly bank deposits:
A working capital advance gives you the full amount upfront. A line of credit lets you draw funds as needed up to a limit. Working capital is better when you have a specific use and timeline. A line of credit is better when your cash flow is unpredictable and you want flexible access.
Equipment financing is tied to a specific purchase (oven, walk-in cooler, POS system) and the equipment itself serves as collateral. Working capital is unsecured and unrestricted — use it for anything operational. If you're buying equipment, equipment financing usually offers lower rates and longer terms.
Revenue-based financing flexes with your daily sales — payments are smaller on slow days. Traditional working capital uses fixed daily/weekly payments. Revenue-based financing is better for restaurants with highly seasonal revenue. Fixed-payment working capital is better for predictable cash flow.
Frequently Asked
$20,000 in monthly business revenue is the minimum. Most approved restaurants do between $25,000 and $200,000 monthly. Funding amount scales with monthly revenue.
Most restaurants receive working capital within 24 hours of signing the agreement. Full process from application to funded typically takes 4-24 hours.
No. Our working capital is unsecured. We don't take liens on equipment, real estate, vehicles, or personal assets. Approval is based on business cash flow and revenue history.
We approve restaurants with credit scores as low as 500. Strong monthly bank deposits matter far more than credit score. Many funded restaurants have FICO 500-650.
No. Working capital is yours to use as you see fit — payroll, inventory, equipment, repairs, marketing, expansion deposits, refinancing higher-interest debt.
Yes. After establishing payment history, you can request additional funding. Many restaurants receive renewals after paying down 50-75% of their initial advance.
Just three months of business bank statements. No tax returns, no profit and loss statements, no business plan, no projections.
No. Soft credit pull only — zero impact on personal or business credit score.
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Finance commercial ovens, walk-in coolers, POS systems over 12-60 months.
Learn MoreFlexible capital you draw from as needed. Pay interest only on what you use.
Learn MoreRepayment scales with your daily sales. Slower week, smaller payments.
Learn MoreOperating 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.