Prime Restaurant Capitalvs Square Loans

Side-by-side comparison of funding range, qualification requirements, speed, and documentation. All competitor facts cited from Square Loans's publicly stated requirements as of May 2026.

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Criteria
Prime Restaurant Capital
Square Loans
Funding range / Maximum
Prime Restaurant CapitalUp to $5,000,000
Square Loans$250,000 (eligibility-based)
Minimum monthly revenue
Prime Restaurant Capital$20,000/mo
Square LoansSquare processing volume required (no public minimum)
Minimum credit score
Prime Restaurant CapitalFICO 500+
Square LoansSoft pull only
Minimum time in business
Prime Restaurant Capital6 months
Square LoansSeveral months on Square
Speed to funding
Prime Restaurant Capital24 hours
Square Loans1-3 business days
Documentation required
Prime Restaurant Capital3 months bank statements
Square LoansSquare processing data only
Collateral required
Prime Restaurant CapitalNot required
Square LoansRepayment via percentage of Square sales
Products offered
Prime Restaurant CapitalWorking Capital, LOC, Equipment, Term Loans, Revenue-Based, SBA
Square LoansSquare business loan (only)

Why operators choose Prime Restaurant Capital

  • Lower minimum credit threshold (FICO 500+ vs higher requirements elsewhere)
  • Faster typical funding timeline (24 hours vs days)
  • No collateral required on most products
  • No tax returns or business plan needed — just 3 months of bank statements
  • Six funding products available — find the right structure for your need
  • Restaurants, bars, food trucks, catering — restaurant specialty

What Square Loans brings to the table

Square Loans (Square Capital) offers working capital loans to businesses processing payments through Square.

Important constraint: Business must already process payments via Square.

Source: https://squareup.com/us/en/loans

Ready to See What You Qualify For?

5-minute application. Soft credit pull (no impact). Decision in hours, funded in 4.

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Comparison facts about Square Loans are sourced from https://squareup.com/us/en/loans and other publicly available materials as of May 2026. Information may have changed since publication. Square Loans is a registered trademark of its respective owner; this page is an independent comparison and is not affiliated with or endorsed by Square Loans. Loan terms, rates, and approval criteria for Prime Restaurant Capital vary by application and underwriting; see /apply/ for live qualification.

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