Restaurant Business Loans Up to $2M
Fast funding for restaurants, bars, cafes, and food trucks. Bad credit OK.
Prime Business Care specializes in restaurant business loans for restaurants, bars, cafes, food trucks, and catering companies. Get working capital, equipment financing, and merchant cash advances designed for the unique revenue patterns of food service. Approved in 24 hours — even with challenged credit.
Business Loans Designed for Restaurants
Restaurant business loans from Prime Business Care are built around the realities of running a food service business: thin margins, seasonal revenue swings, expensive equipment, perishable inventory, and lenders that treat restaurants as "high risk" no matter how profitable you are.
Whether you own a single neighborhood restaurant, operate a growing chain, run a food truck, manage a bar or cafe, or have a catering business — we provide fast funding products that match how restaurants actually operate. Most banks decline restaurants due to industry risk classification. We specialize in funding the food service businesses banks reject.
From a $30,000 merchant cash advance to cover a seasonal slowdown, to $150,000 equipment financing for kitchen upgrades, to $500,000 working capital for a new location — we have the right product for your restaurant's stage of growth. Funded in 24 hours. Bad credit accepted. No collateral required.
Unique Cash Flow Challenges in the Restaurant Industry
Running a restaurant is unlike any other business. Here are the cash flow realities that make fast funding essential for food service operations.
Thin Margins
Typical restaurant net margins are 3-9%. Even a minor revenue hiccup can create real cash flow stress. Fast capital helps absorb shocks without sinking the business.
Seasonal Swings
Summer vs winter, tourist season vs off-season, holiday rushes vs slow weeks. Revenue can vary 30-50% month-to-month requiring capital to bridge slow periods.
Equipment Failures
Walk-in coolers, ovens, fryers, and POS systems break at the worst times. Downtime is lost revenue — you need repair capital fast, not in 2 weeks.
Banks Say No
Banks classify restaurants as high-risk due to failure rates. Many profitable restaurants are declined despite strong performance. Alternative lenders understand the industry.
Perishable Inventory
Unlike retail, unsold food rots. Capital for smart inventory management and suppliers discounts on bulk purchasing can significantly improve profitability.
High Labor Costs
Labor is 25-35% of revenue. Payroll never sleeps — even during slow weeks. Working capital ensures you can always make payroll and keep your team.
Restaurant Business Loan Products
We offer multiple funding products tailored to how restaurants actually generate and use capital. Pick the right product for your situation.
Restaurant Merchant Cash Advance
Fast funding based on credit card sales or daily bank deposits. Repayment automatically flexes with revenue — busy weekends = bigger payments, slow weekdays = smaller. Perfect for restaurants with variable income.
Learn about MCA →Restaurant Equipment Financing
Finance ovens, walk-in coolers, POS systems, fryers, dishwashers, and full kitchen build-outs. Equipment secures the loan — easier qualification. Section 179 tax benefits available.
Learn about equipment financing →Restaurant Working Capital
Short-term loan for payroll, inventory, rent, marketing, and operating expenses. Fixed weekly or monthly payments over 3-24 months. Predictable structure for businesses with steady revenue.
Learn about working capital →Restaurant Line of Credit
Revolving credit line that's always available when you need it. Draw for seasonal inventory, unexpected repairs, or opportunities. Only pay interest on what you use. Reusable as you repay.
Learn about lines of credit →What Restaurants Use Business Funding For
Restaurant business loans are flexible and cover virtually every expense. Here's what our restaurant clients use funding for most often.
Kitchen Equipment
New ovens, walk-ins, fryers, and smallwares for quality improvements or replacements.
Renovations
Dining room remodels, bar updates, outdoor seating additions, and brand refreshes.
New Locations
Lease deposits, build-outs, initial inventory, and working capital for opening day.
Payroll Coverage
Make sure your team gets paid on time during slow weeks or seasonal dips.
Inventory & Food Cost
Bulk purchasing, supplier discounts, or covering rising food cost surges.
POS & Technology
Point-of-sale upgrades, online ordering systems, reservation platforms, and delivery apps.
Marketing Campaigns
Launch promotions, social media ads, influencer partnerships, or loyalty programs.
Emergency Repairs
Fix broken equipment fast to avoid lost revenue and health code issues.
Liquor License
Cover liquor license fees, renewals, and the application process for new locations.
How Restaurants Qualify for Business Loans
Our restaurant business loan requirements are realistic for the food service industry. Here's what you need to qualify for fast funding.
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6+ Months in Business
Operating your restaurant at least 6 months with consistent revenue. Longer history unlocks better rates and larger funding amounts.
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$15,000+ Monthly Revenue
Minimum $15K in monthly gross revenue verifiable through bank deposits. Higher revenue means larger funding eligibility.
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500+ Credit Score
We accept FICO scores as low as 500 for MCA products. Bad credit doesn't disqualify when your restaurant has solid revenue.
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Business Bank Account
Dedicated business checking account showing regular deposits from credit card processor and daily sales activity.
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Credit Card Processing
Active merchant services account with daily batch processing. MCA products may be based on credit card sales volume directly.
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No Open Bankruptcies
No currently open bankruptcy proceedings. Discharged bankruptcies typically OK after 2 years with strong business performance.
Food Service Businesses We Fund
From fine dining to food trucks, we fund every type of food service business across every cuisine and concept.
Full-Service Restaurants
Fast Casual
Pizzerias
Cafes & Coffee Shops
Bars & Pubs
Food Trucks
Bakeries
Ice Cream Shops
Juice & Smoothie Bars
Sushi & Asian
Ethnic Cuisine
Catering & Events
Why Restaurant Owners Choose Prime Business Care
Restaurants are one of our biggest funding categories. Here's why restaurant and food service business owners prefer us over banks and other funders.
Same-Day Funding Possible
MCA products can fund same-day for qualified restaurants. Most other products funded within 24-48 hours — industry-leading speed.
Bad Credit Welcome
500+ FICO accepted for most restaurant products. We evaluate your restaurant's actual performance — not just your credit report.
Restaurant Specialists
Our team understands restaurant margins, seasonal patterns, equipment lifecycles, and the unique risks of food service.
Renewal-Focused
Build a funding relationship once, benefit forever. Most restaurants we fund come back for renewals with improved terms and faster approvals.
Multiple Products
MCA, equipment financing, working capital, lines of credit — all under one application. We match you to the best product for your needs.
Dedicated Specialist
One specialist handles your account from first call through funding and renewal. No getting bounced between reps or losing context.
Restaurant Business Loan FAQ
Common questions from restaurant and food service business owners about funding, qualification, and products.
What are restaurant business loans?
Restaurant business loans are financing products designed for restaurants, cafes, bars, food trucks, and catering businesses. They include working capital loans, merchant cash advances based on credit card sales, equipment financing for kitchen and POS systems, and lines of credit for ongoing operational needs. These products address the unique cash flow challenges of food service businesses.
Can restaurants with bad credit get business loans?
Yes. Prime Business Care approves restaurant loans for owners with credit scores as low as 500. We evaluate your restaurant's daily credit card sales, bank deposits, and time in business rather than relying solely on credit score. Many restaurant owners with challenged credit qualify based on strong revenue.
How do restaurant MCAs work?
A restaurant merchant cash advance provides upfront capital in exchange for a percentage of your future credit card sales or daily deposits. Repayment automatically flexes with your revenue — busy weekends mean larger payments, slower weekdays mean smaller ones. Ideal for restaurants with seasonal or variable revenue patterns.
How fast can I get funded?
Most restaurant business loans through Prime Business Care are approved within 24 hours and funded within 24 to 48 hours. Some applications can be funded same-day depending on deal size and how quickly you provide bank statements. Equipment financing takes 2 to 4 business days due to vendor verification.
How much can a restaurant borrow?
Amounts typically range from $10,000 to $2,000,000 based on monthly revenue. Most restaurants qualify for 80% to 150% of monthly gross revenue. A restaurant doing $80,000/month can typically access $65,000 to $120,000 in funding. Larger chains and high-volume restaurants qualify for more.
What can I use the funds for?
Restaurant funding can be used for any business expense — kitchen equipment, renovations, new locations, inventory and food costs, payroll, marketing, POS systems, liquor license fees, rent, utilities, expansion, covering slow seasons, and emergency repairs. Most products have no restrictions on fund usage.
Do restaurants qualify with seasonal revenue?
Yes. Many restaurants have seasonal patterns and we account for that in our underwriting. We analyze your annual revenue cycle, not just single month performance. MCA products work especially well for seasonal restaurants because payments naturally flex with revenue — smaller payments during slow seasons.
Can new restaurants qualify?
Yes, once you have 6 months of operating history. Startup restaurants under 6 months typically don't qualify for most products. However, if you're expanding an existing restaurant concept or have an established catering business launching a brick-and-mortar, different options may apply. Contact us to discuss your specific situation.
Apply for a Restaurant Business Loan Today
Get approved in 24 hours. No credit impact on your initial application. Bad credit welcome. No collateral required.
Start Your Application