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 nationwide.
We know how restaurants really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
How each option works
The programs our lending partners actually offer businesses like yours. Not sure which one? Check your options and we'll match the structure to the deal.
Working Capital Loan
Money for payroll, stock, and the slow months.
See terms & details →Restaurant Equipment Financing
Hoods, coolers, ovens — financed, not bankrolled.
See terms & details →Business Line of Credit
Draw what you need, when you need it.
See terms & details →SBA 7(a) Loan
The most flexible SBA loan there is.
See terms & details →Want the full picture first? Get a free Capital Position Report — where your business stands and what it likely qualifies for.
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 restaurant 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
Specific industries we serve
Your exact line of work may have its own page, with tailored financing and the needs we see most.
Tools and guides for restaurants & bars
Run the numbers
Compare side by side
Guides & related financing
From our insights
What it takes to qualify
Most operators here start with 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+ (equipment) to 640+ (rental property)
- Equity or down payment — typically up to ~75% 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 restaurant?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
