Restaurants run on tight margins and unpredictable cash flow — a slow week, a broken walk-in cooler, or a seasonal dip can squeeze you fast. Restaurant business loans keep the kitchen open and the growth going, funding the things that can't wait without draining your reserves.
What restaurant owners fund
- Kitchen equipment — ranges, coolers, POS and smallwares.
- Build-out & remodel — open, expand, or refresh your space.
- Payroll & inventory — cover staff and food costs through slow stretches.
- Marketing & delivery — drive covers and grow off-premise sales.
- Emergencies — a failed cooler or repair that can't wait.
Funding options for restaurants
Merchant cash advances are a natural fit — repaid as a small share of daily card sales, with no minimum credit score. Working capital gives fast, flexible cash. Equipment financing covers kitchen gear with low or no money down. A no-cost advisor finds your best fit.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | As little as 4 months |
| Monthly revenue | $10,000+ in deposits |
| Credit score | No minimum on many programs |
| Documents | 1-page application + 4 months bank statements |
Frequently asked questions
How do restaurants get funding?
Working capital for payroll and inventory, equipment financing for kitchen gear, and merchant cash advances repaid from daily card sales — many with no minimum credit score.
Can I get funded with bad credit?
Yes — revenue-based programs and MCAs approve on your daily sales, not just your score.
How fast is funding?
Working capital and cash advances can fund the same or next business day.