Cover rent, payroll and food costs through your quiet months and come out ready for the rush. Funding from $25,000 based on your deposits.
Plan My SeasonRestaurant slow season
Quiet months don't lower your rent. We size offers on about three months of deposits so you can keep the kitchen staffed and stocked until traffic picks back up.
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.
5-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered with a soft pull to start. Your sales history matters.
See the full repayment amount in your offer before you accept. No surprise costs after you sign.
Your schedule is laid out in the offer up front so you can test it against the busy season.
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.
For a beach-town seafood spot it is winter. For a college-area pizza place it is summer break. Downtown lunch counters feel it when offices empty out over the holidays, and many dining rooms slow in January as people recover from December spending. Rent, insurance, the walk-in's power bill and your core staff cost the same either way.
Slow-season funding for restaurants lets you get through the dip without cutting the people and quality that bring customers back. We base offers on about three months of bank statements and you'll see the full repayment amount and schedule before you accept.
Slow months are also when you can do work that's impossible during the rush: deep cleaning, a small refresh of the dining room, menu testing, staff training, or replacing the reach-in that's been limping along. Some owners fund a modest project alongside the seasonal gap so they come out of the quiet period in better shape than they went in. If equipment is part of the plan, see equipment financing for restaurants.
Revenue-based financing and a merchant cash advance both tie repayment to sales, which can feel lighter while traffic is low. A business line of credit works if you want to draw month by month only as needed.
We look at deposit consistency across the year and your existing obligations. FICO 500+ is considered, we start with a soft credit pull, no tax returns are required, and sole proprietors can apply. Qualified businesses can see funding in as little as 24 hours. Start your five-minute application.
Often yes. Applying while deposits are still strong gives a clearer picture of the business and gives you time to plan.
Yes. We look at the pattern across your recent statements, and seasonal swings are normal for restaurants.
It depends on how long the dip lasts and your fixed costs. The amount we can offer depends mainly on your deposits and current obligations.
Yes, many owners pair seasonal coverage with a small project. Keep the total within what your busy season can comfortably repay.
Yes. Your offer lays out the full repayment amount and the payment schedule before you accept, so you can check it against last year's busy-season deposits.
Example uses for illustration only.
A bit of planning makes slow-season funding easier to manage.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding