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Restaurant funding

Your walk-in dies at 4pm on a Friday. Now what?

$25K to $250K. In your account tomorrow. Direct funded. 24 hours.

See What You Qualify For
24HR Avg time to fund
$25K–$250K For restaurants
No credit pull To apply
Direct Funder
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Estimator · No credit pull

What can businesses your size actually fund?

Pick three things. We'll show the typical range. The real number takes 3 months of statements and 4 hours.

The real problems

Banks take 6 weeks. Your kitchen doesn't.

Restaurant margins run 3-9%. One bad month, one broken fryer, one late payroll and you're underwater.

January through March

Revenue drops 30-40% after the holidays. Rent, insurance, and Sysco invoices stay the same.

$25K-$75K typical

Equipment fails at the worst time

A walk-in compressor is $4K-$8K. A new hood system is $15K+. You can't close for 3 weeks while a bank decides.

Funded next day

Prepping for the rush

Your liquor distributor wants payment on delivery. Your food costs spike 20% before every holiday weekend. Cash has to be there first.

$30K-$100K typical

Payroll is every two weeks, rain or shine

You have 12 staff. That's $18K-$25K a pay period. A slow week doesn't change that number.

Same-day decision
How it works

Apply today. Funded tomorrow.

We look at your bank statements, not your credit score. Most restaurants get a decision within hours.

01 Apply

60-second application

Restaurant name, monthly revenue, how long you've been open. That's it.

02 Review

We review 3 bank statements

No credit pull. No collateral. No 40-page application. We look at cash flow.

03 Fund

Cash hits your account

24-48 hours after approval. Wire or ACH, your pick.

Day 0 · Apply Day 0 · Review Day 1–2 · Funded
Last month

A pizzeria in CT. 36 hours.

”

Their oven was shot and the replacement was $52K installed. Bank said 4-6 weeks. We funded $60K in 36 hours. They were back running dinner service by Thursday.

$60,000 Funded
36 HRS Apply to cash in account
0 Collateral required
✓ No credit pull ✓ No personal guarantee required ✓ Direct funder
Common questions

Restaurant funding — answered.

Do you fund restaurants with bad credit?+

Yes. We've funded restaurants with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.

How fast can a restaurant get funded?+

Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.

How much can restaurants qualify for?+

$25K-$250K is the typical advance range for restaurants, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.

What do I need to apply?+

Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.

Is this a loan?+

No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.

Find out your number in 60 seconds.

No credit pull. No paperwork. Just a quick form and we'll tell you what you qualify for today.

Apply Now
✓ No credit pull ✓ No obligation ✓ Decision same day