Restaurants

When the walk-in dies on a Friday, you don't have six weeks for a bank.

Restaurant working capital underwritten on your deposits and card volume — not your FICO.

Typical time from submission to funding: 24–72 hours

Why restaurants use funding

The cash-flow patterns we see in this industry.

Margins are already thin, so a single slow week or a broken fryer eats the buffer fast.
Winter and shoulder seasons drag revenue down while rent and payroll stay fixed.
Equipment breakdowns — walk-in coolers, fryers, ovens — don't schedule around a bank's 4–6 week approval cycle.
Card-heavy volume is an underwriting strength here, even when personal credit is bruised.

What you can use it for

How it works

Six quick questions. About two minutes.

For restaurants, we typically review your last 4 months of deposits and card processing to size the offer.

Typical timeline: 24–72 hours from clean documents to funds.

Common questions

＋Can I get funded if last winter was slow?

Yes. Seasonality is expected here — we look at the full pattern of deposits, not one quiet month in isolation.

＋Do I need to switch card processors to qualify?

No. We work with your existing processor and read the deposits as they come in.

＋What if my walk-in just died and I need money this week?

Emergency equipment situations are common here. Applications submitted with clean bank statements often see funding decisions in 24–72 hours.

Six quick questions. Real numbers back. No sales pressure.