Capital That Understands Covers, Tickets, and Seasons.
Restaurants, bars, hotels, caterers, breweries, and food trucks do not look like a spreadsheet business — and a bank that only reads tax returns will miss what you actually built. We place hospitality operators with partners who read daily card volume, deposit consistency, and seasonality, so a slow February does not disqualify a profitable year.
Seasonal-aware structures Equipment, remodels & payroll Multi-unit operators welcome
Matched against 50+ lending partners to find your best terms.
Better Business Bureauaccredited business
See which funding options you qualify for
Four quick questions. No credit pull, no documents, no phone call to get started — just a clear read on where your business stands against 50+ lending partners. You can review the comparison tools immediately, then call or schedule time with our team for questions.
How fast do you need the funds?
Speed is one of the biggest factors in which product fits — the fastest options cost more, the slower ones cost less.
Your file is shopped across our full network, not one bank.
From a small working-capital bridge to major expansion capital.
Most complete files receive decisions inside two business days.
Basic intake takes 5–10 minutes; full financing files with documents 10–20. AI Autofill speeds it up.
Three steps from application to funded
Apply in 5–10 minutes
Tell us your revenue, time in business and how much you need. Soft credit pull only. Full financing files with documents run 10–20 minutes, and AI Autofill speeds it up.
We match your file
A funding advisor shops your profile across 50+ lending partners for the best structure and rate.
Review and get funded
Compare your offers with no obligation, sign digitally, and see funds—often within 24–48 hours.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
Four ways hospitality operators get funded
Most hospitality files are placed as one of these structures — or a blend, when the build-out and the working capital need different treatment.
Hospitality Working Capital
Best for payroll gaps, slow-season carry, marketing pushes, and unexpected repairs.
- How it underwrites
- Deposit history and card volume across a full year, so seasonal swings are expected rather than penalized.
- Speed
- Commonly funded in 24 to 72 hours once bank statements are in.
- Repayment
- Fixed term schedules or revenue-based repayment that flexes with sales.
Kitchen & Equipment Financing
Best for hoods, walk-ins, ranges, POS systems, patio build-outs, and delivery vehicles.
- How it underwrites
- The equipment itself carries much of the collateral weight, which widens approvals.
- Terms
- Typically 24 to 72 months, structured so the equipment earns while it is paid for.
- Also covers
- Leasehold improvements and installation costs on many programs.
Location & Acquisition Capital
Best for buying an existing restaurant, opening a second unit, or purchasing your building.
- Programs
- SBA 7(a) and 504, conventional commercial mortgages, and conventional term loans.
- Timeline
- Longer review — usually weeks, not days — in exchange for the lowest available pricing and longest terms.
- Documents
- Seller financials, lease or purchase agreement, and your operating history.
Card-Volume Advances
Best for operators with heavy card sales and a credit profile that banks decline.
- How it underwrites
- Primarily on processing volume and deposit consistency rather than credit score.
- Cost structure
- Priced as a factor rate rather than an APR — see our glossary for how the two differ.
- Best use
- Short, specific needs with a clear payback, not long-term structural debt.
What hospitality operators actually fund
These are the requests that come across the desk most often from restaurant, bar, and hotel owners.
Walk-in or hood goes down
Replace critical kitchen equipment fast instead of closing a station or a service.
Slow-season payroll
Carry your trained crew through the off months so you are not rehiring in the spring.
Patio or dining room remodel
Fund the build-out that raises covers and average ticket before your busy season.
Second location
Use the performance of the unit you already run to open the next one.
Buying out a partner or seller
Acquire the restaurant, bar, or venue you have been operating or eyeing.
Food truck or delivery fleet
Finance vehicles and build-outs as revenue-producing equipment.
Restaurant & Hospitality Eligibility Estimator
Answer three quick questions and see where your business stands before you apply. This is the same information lending partners weigh first — revenue, time in business, and credit.
Your Business Snapshot
Adjust each figure to match your business. Nothing here is saved or shared.
Revenue and consistent deposits carry the most weight here — a lower credit score with steady bank activity often still gets funded. Treat the result as a readiness check, not an approval.
This is an educational estimate, not an offer or approval. Every application is reviewed in underwriting — applying is free and uses a soft credit pull.
What this calculator works out
This restaurant financing calculator estimates how a bar, cafe, hotel, or food-service operation measures against typical hospitality lending requirements using monthly sales, months open, and credit score.
Hospitality selection criteria
Requirements vary widely by program. These are the general ranges across the partner network.
Time in business
Six months or more for revenue-driven programs; two years or more opens the lowest-cost structures.
Revenue
Consistent deposits are more important than a single large month. Many programs start around $15,000 in monthly revenue.
Credit profile
500+ can be placed on volume-driven programs. 650+ widens options considerably.
Documents
Three to six months of bank statements, recent processing statements, and your lease. Full files add tax returns and a debt schedule.
What underwriters look at in a hospitality file
Hospitality is one of the most misunderstood categories in lending. Knowing what gets read changes how a file is packaged.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Deposit consistency over peaks
A steady pattern across twelve months reads stronger than one record month followed by three thin ones.
Card volume versus total revenue
Heavy card mix opens processing-based programs that a cash-heavy operation cannot access as easily.
Seasonality documented, not hidden
Explaining your season up front lets a partner structure around it instead of flagging it as decline.
Lease term remaining
For build-outs and property-related requests, remaining lease term needs to outlast the financing.
Existing advances stacked
Multiple open advances reduce options. A debt schedule lets us find consolidation instead of another layer.
Use of funds
A specific, revenue-producing use — equipment, build-out, inventory — reads far better than general cash.
Questions, Answered
Yes. Several partners underwrite on deposit consistency across a full year rather than a single slow month, and revenue-based structures flex payments with sales volume.
It helps, but it is not the only path. Card-volume and deposit-driven programs regularly approve hospitality operators in the 500s when sales are steady.
Yes. Leasehold improvements, hoods, walk-ins, POS systems, patios, and furniture can all be financed — often through a mix of equipment financing and term capital.
Acquisitions are financed regularly. Bring the seller's financials, the lease, and your operating experience; SBA and conventional structures both fit depending on timeline.
Working capital commonly funds in 24 to 72 hours once documents are in. Equipment and property-related files typically take 3 to 10 business days.
Yes. Hotels, catering companies, event venues, food trucks, breweries, and multi-unit restaurant groups are all placeable across the 50+ partner network.
Fund Your Restaurant, Bar, or Hotel
One application, matched against 50+ lending partners. Soft credit pull to start, and no cost to apply.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Prefer to talk it through? Call 1.877.977.3015