Restaurant Financing — Equipment, Build-Out and Slow-Season Cash

A restaurant's problem is almost never the year — it is the six weeks. Payroll lands weekly, produce lands daily, and the hood system fails on the Friday before a holiday.

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What owners in this industry finance

Kitchen equipment and hood systems
Build-out and patio expansion
Slow-season payroll and rent
POS, delivery and second-location openings

What we would tell you

Restaurants underwrite well on deposits, which is why revenue-based products approve fast here. Use the line of credit for the six weeks and the equipment loan for the hood — not an advance for both.

The programs that fit best

Equipment Financing

The machine is the collateral

A few days 580+ (varies by equipment) FICO

Business Line of Credit

Draw only what you need

Same day 600+ FICO

Small Business Loans

Term Loans & Working Capital

Same day to 3 days 660+ FICO

Merchant Cash Advance

Fastest money, highest cost

Same day No minimum FICO

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Straight answers

Restaurants & Food Service funding questions

What is the best financing option for restaurants & food service?

It depends on what the money is for. Restaurants underwrite well on deposits, which is why revenue-based products approve fast here. Use the line of credit for the six weeks and the equipment loan for the hood — not an advance for both.

Can I get funded for my restaurants & food service business with bad credit?

Several products carry no minimum credit score — equipment financing at 580, and invoice factoring, purchase order financing and revenue-based options with no FICO floor at all. See bad-credit options.

How fast can we get the money?

Same day to three business days on the fast programs from a complete file. Equipment takes a few days, invoice factoring 2–5 days, SBA 30–45 days.

No cost · No obligation

Funding for restaurants & food service

One application, shopped across 14 programs, no fee to you.

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Checking your options does not affect your business credit. A soft review only.