Your compressor doesn't care about your credit score — and neither do we. Apply now, get a decision in hours.
Your walk-in is warm. The compressor is out, the tech quoted you a number you don't have sitting in the account, and the part won't be here until tomorrow. Meanwhile the product on those shelves — the proteins, the dairy, the prepped mise, the case of oysters — is climbing past 41°F and turning into a loss you'll have to eat and throw out.
That is the real math nobody says out loud: waiting is more expensive than the repair. A $6,000 compressor job is annoying. Losing $9,000 of inventory plus the walk-in itself plus a health-code shutdown while you wait to "figure out the money" is the thing that actually breaks a restaurant. We fund the repair so the second number never happens.
Enough for a compressor, a condenser, a full reach-in swap, or the whole walk-in plus the spoiled inventory you have to re-buy.
FICO 500+ is fine. We underwrite the sales flowing through your bank, not your credit report.
Not days. You need the refrigeration back today, so we move today.
You're not putting the building or your equipment on the line to fix the equipment.
Say a bar-and-grill's walk-in compressor fails on a Tuesday morning. The repair is $6,500 and the part is a day out. Inside the box: roughly $8,000 in proteins, dairy, and prepped food that will be trash within hours if it isn't moved to working refrigeration.
Fund the repair, and the number is $6,500 plus the cost of the money. Do nothing and "wait until payroll clears," and it's $8,000 in dumped product, plus days of a menu you can't fully run, plus the same $6,500 repair you were always going to pay anyway. Same repair either way — the only variable is whether you also throw away the inventory.
No. We start at FICO 500, and even that isn't the deciding factor. The approval is built on your bank deposits — if the sales are there, the credit score takes a back seat.
No. Checking is a soft pull. It shows us what we need to see without touching your score. You only move forward if the offer works for you.
Often, yes — with an honest rule. Apply before early afternoon Eastern on a weekday, get approved, have your bank statements in, and sign the agreement, and funds can wire the same day. Apply Friday afternoon and it lands Monday. We won't promise you a wire we can't make.
Enough to cover the repair and the inventory you'll have to re-buy. If the compressor is $6,500 and you're re-stocking $8,000 of product, don't apply for $6,500 — apply for what actually gets you whole and running.
The online application and your last few months of business bank statements. That's the core of it. No tax returns to dig up before we can even talk.
Condenser or evaporator repair, a new walk-in or reach-in, refrigeration line work, an emergency HVAC tech visit, and the spoiled inventory you're replacing. It's your money for getting the kitchen cold and open again.
The cooler isn't getting colder while you decide. Apply now, get a decision in hours, and keep today's inventory out of the dumpster.
Continue Reading
Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Start Your ApplicationApproved on your revenue, not just your credit. Start your 1-minute application.
Apply NowWe 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.
Before you go
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
START MY 1-MINUTE APPLICATIONNo obligation · takes about a minute