Fast Hospitality Capital
Fuel Your Restaurant's Growth. Fast.
From upgrading kitchen equipment to opening your next location, access flexible working capital designed specifically for the pace of the hospitality industry.
Funded in 48 Hours
Skip the weeks of waiting at traditional banks. Get approved based on your restaurant's cash flow and get funds wired fast.
Equipment & Renovations
Finance walk-in coolers, POS systems, or front-of-house renovations. Let the equipment pay for itself out of increased revenue.
Unsecured Working Capital
Smooth out seasonal dips, cover payroll during slow months, or buy bulk inventory without tying up your personal assets as collateral.
Check Your Eligibility
Get a custom term sheet from our hospitality funding specialists. Checking your options will NOT impact your credit score.
Strictly confidential. Bank-level encryption.
Interactive Tool
Expansion ROI Calculator
Smart debt pays for itself. Estimate how an injection of capital (for marketing, a patio, or new equipment) will impact your bottom line.
Alternative Lending vs. Traditional Banks
See why over 70% of independent restaurants choose alternative hospitality financing over traditional bank loans.
| Feature | Our Hospitality Funding | Traditional Bank Loan |
|---|---|---|
| Time to Fund | 24 to 48 Hours | 60 to 90 Days |
| Approval Basis | Recent Restaurant Cash Flow | Strict Personal Credit & 3 Yrs Tax Returns |
| Collateral Required | Usually Unsecured | Heavy Assets (Real Estate, Personal Homes) |
| Use of Funds | Unrestricted (Use for anything) | Strictly regulated and monitored by bank |
Restaurant Funding FAQs
Generally, we require a business to be operational for at least 3-6 months with verifiable revenue flowing through a business bank account to qualify for working capital. However, if you are an established restaurateur opening a new location, we can often leverage the cash flow of your existing concepts to fund the new venture.
A Merchant Cash Advance is a popular hospitality funding structure where a lender provides a lump sum of capital in exchange for a small, fixed percentage of your future daily credit card sales. This is highly beneficial for restaurants because repayment scales with your revenue: on a slow Tuesday, your payment is small, and on a busy Saturday, it's higher.
Yes. Because alternative hospitality lenders evaluate the health of the restaurant rather than the individual, personal credit scores are secondary. As long as your business demonstrates consistent monthly revenue and healthy bank activity, we can typically secure funding regardless of a less-than-perfect personal FICO score.