Add a patio, a bar, catering or a second location. Funding from $25,000, sized on the deposits your restaurant already brings in.
Plan My ExpansionRestaurant expansion
When guests keep asking for more, growth makes sense. We review about three months of deposits so you can fund the build without a long bank process.
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 with three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered with a soft pull to start. Your deposit history matters most.
The total repayment amount is in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is set out up front, so you can test it against a slow ramp.
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.
The line out the door on Saturdays. The catering requests you keep turning down. The empty lot next door that would make a perfect patio. Restaurant expansion tends to come from proof that guests want more of what you're already doing. The hard part is paying for the build-out, equipment, staff and opening inventory before the new space earns a dime.
Expansion funding for restaurants is sized on your current deposits. We look at about three months of business bank statements, no tax returns, and qualified businesses can see funding in as little as 24 hours.
Patio build-outs, knocking into the space next door, or a private dining room for events and rehearsal dinners.
A full bar, a catering program, a ghost kitchen brand, or a retail shelf for sauces and baked goods.
Lease deposits, build-out, kitchen equipment, signage, hiring and opening inventory. See equipment financing for restaurants for the kitchen side.
The most common expansion mistake is letting the new project drain the restaurant that pays for it. Before you accept any offer, look at the repayment schedule against what your current location brings in during a slow month, not a strong one. New spots often take a while to find their regulars, and build-outs tend to run over. Keep enough cushion that a delayed opening doesn't put payroll at risk at the original store.
For illustration, an owner adding a patio might fund the build and furniture, open for the warm months, and plan repayment around the core dining room alone in case the weather turns. It also helps to set a hard opening date and a budget ceiling with your contractor up front, and to keep a short list of what you'll cut if costs run over, such as decor upgrades or a second display case, so the essentials stay funded.
Working capital covers a one-step project. A business line of credit works when a build-out happens in phases. A merchant cash advance ties repayment to card sales. FICO 500+ is considered, we start with a soft credit pull, and sole proprietors can apply. Start your application.
Yes. The offer is based on deposits from your current restaurant, so a steady track record at the first location is what matters most.
Funding ranges from $25,000 to $5,000,000. Where you land depends mainly on your deposits and existing obligations.
No tax returns are required. A plan isn't required to apply, but knowing your project costs helps you judge an offer.
Yes. Your offer shows the full repayment amount and schedule before you accept.
Yes. Sole proprietors can apply, and we review the deposits in your business account.
Example uses for illustration only.
Good expansion decisions start with a few honest checks.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding