Draw funds when the kitchen needs them for repairs, inventory and payroll. Apply in 5 minutes with a soft credit pull. No tax returns required.
See My LimitRestaurant Line of Credit
Restaurants face a steady stream of small emergencies and opportunities. A line of credit lets you draw when you need to, instead of starting a new application every time.
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.
A 5-minute application and about three months of bank statements. Draws can be funded in as little as 24 hours for qualified businesses.
FICO 500 and up is considered, and your deposit history weighs heavily in the review.
Your offer shows the full repayment amount on what you draw. No surprise costs after you sign.
You see the repayment schedule in your offer before accepting, so draws fit your cash flow plan.
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.
Ask any owner how often something unexpected hits the kitchen. A fryer goes down in March, a prep cook quits in May, the beer distributor raises minimums in July. A business line of credit fits that rhythm. You get access to a set amount and draw from it when a need appears, instead of applying from scratch each time.
Once approved, you have a credit limit you can draw against. You repay what you use according to the schedule laid out in your offer, and the terms are spelled out before you accept, including the full repayment amount on what you draw.
We see lines of credit used for the in-between costs that are too small to plan a big funding round around but too large to absorb out of one week's sales:
If you know the exact amount and it is a one-time project, a lump sum may be simpler, such as a merchant cash advance for restaurants or restaurant working capital. A line fits better when needs are recurring and unpredictable. We are happy to walk through both in your offer review.
FICO 500 and up is considered, and sole proprietors can apply. Start your application to see what limit fits your deposits.
A line works best when you treat it as a tool with a purpose, not extra revenue. Many owners set a simple rule: draw for repairs, inventory and short payroll gaps, and repay as the busy weeks come in. Keeping an eye on what you have drawn against your weekly sales helps the line stay available for the next real need.
We consider FICO 500 and up. Credit is reviewed together with your deposits and current obligations, so the score alone does not decide it.
Limits depend mainly on your average deposits and what you already owe to other lenders. Lines range within our overall funding of $25,000 to $5,000,000.
Your offer spells out exactly how repayment works on what you draw, and shows the full repayment amount before you accept.
We work with established businesses that have steady deposits. If the restaurant has a clear deposit history, apply and we will review it.
No. We begin with a soft credit pull.
Example uses for illustration only.
A little prep makes your line of credit review smoother.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding