FICO 500+ considered. We look at your restaurant's deposits, not just a score. 5-minute application and a soft credit pull to start.
Check My OptionsRestaurant Funding, Credit Flexible
Plenty of solid restaurants are run by owners with dinged credit from opening costs or a hard season. We review your deposits and obligations together with your credit.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
About 5 minutes to apply, roughly three months of bank statements, no tax returns. Funding in as little as 24 hours if qualified.
Credit is weighed with your deposit history, account health and existing obligations rather than on its own.
The offer lists the full repayment amount before you accept. No surprise costs after you sign.
Your offer lays out the repayment schedule in advance so you can plan it around payroll and vendors.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Restaurants are hard on personal credit. Owners float opening costs on cards, cover a bad winter out of pocket, or sign for a lease that went sideways at a previous location. None of that means the restaurant you run today is a poor risk. If the deposits are steady, we want to look at the full picture.
We consider FICO scores from 500 and up. Credit is one input, read alongside several others:
For example, two restaurants with the same score can look very different on paper. One has deposits every day and a balance that never dips below zero; the other has gaps and frequent returned items. Those differences matter as much as the number itself.
A lower score can affect the amount or structure of an offer. It is weighed together with everything else, not used as a cutoff on its own.
Because these products lean on your sales history, they are often a better match than a bank loan when your score is bruised:
The application takes about 5 minutes and starts with a soft credit pull, so checking your options does not hurt your score further. Upload roughly three months of business bank statements. No tax returns are required. If you qualify, the offer lists the full repayment amount and repayment schedule before you accept, with no surprise costs after you sign. Funding can arrive in as little as 24 hours for qualified restaurants.
You cannot rewrite your credit report overnight, but you can make the business side easy to read. Keep every sale flowing into one business account, avoid overdrafts in the weeks before you apply, and be upfront about any other funding you are repaying. Our restaurant qualification guide goes deeper. When you are ready, start your application.
We consider FICO 500 and up. Your deposits and current obligations are weighed alongside the score.
No. We start with a soft credit pull, which does not affect your score.
It can influence the amount or structure, but deposits and existing obligations usually drive the amount most. Each file is reviewed as a whole.
Yes, you can apply. We focus on the business you run now and its deposit history.
No. About three months of business bank statements and the 5-minute application are enough to start.
Example uses for illustration only.
These honest steps make a restaurant file with credit challenges easier to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding