Working capital for restaurants and bars.
From a new walk-in cooler to a full patio build-out, we help fund the things that grow a restaurant — with payments that survive your slow season. Serving restaurants and bars across Louisiana and Texas.
We know how restaurants & bars really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeEquipment fails at the worst possible time.
The fair fixFast funding for coolers, ovens, and HVAC so you never lose a service.
The squeezeWinter and shoulder months crush cash flow.
The fair fixFlexible or interest-only options that keep payments low when sales dip.
The squeezeAn MCA takes a cut of every single day's sales.
The fair fixFixed, predictable payments instead of a daily debit on your register.
What restaurants & bars owners use it for
Put the capital where it moves the needle most.
Kitchen equipment & walk-in coolers
Patio or dining-room build-outs
Off-season payroll
Liquor license & permits
Adding catering or takeout
POS & technology upgrades
What it takes to qualify
Most operators here use business capital — but if you're financing property or equipment, that path qualifies differently.
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Real Estate & Assets
- Credit generally 620+ (some programs start lower)
- Equity or down payment — up to ~80% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your restaurants & bars business?
Two minutes, no obligation, no credit impact. Or call (337) 344-9939.
