From revenue-based repayment to equipment-specific programs, SMB Capital Funding offers financing solutions designed around the unique cash-flow patterns of restaurants. Direct lender — no broker markup, no runaround.
Running a restaurant means juggling food costs, labor, rent, repairs, and seasonal dips — all while keeping your doors open seven days a week. Traditional banks take 30-90 days and demand perfect credit. SMB Capital Funding offers financing built around how restaurants actually operate.
Payments adjust to your restaurant's sales volume. During a slow Tuesday, you pay less. During a packed Saturday, you pay more. No fixed lump sums that strain your cash reserves.
Bridge a gap between now and your busy season. Three- to twelve-month terms with daily or weekly payments that stay predictable and manageable for food-service margins.
Finance a new POS system, commercial refrigeration, fryers, or a complete kitchen buildout. Payments spread over time so the equipment pays for itself while you use it.
Draw what you need, when you need it. A revolving credit line means you are never caught off guard by a supplier price hike, a broken HVAC unit, or an unexpected health department requirement.
SMB Capital Funding has funded every type of restaurant — from food trucks to fine dining. Here is what our underwriting team looks at:
We need to see at least six months of operating history with consistent bank deposits. Startups under six months may qualify for select programs if revenue is strong.
Your restaurant needs to bring in at least $10,000 per month in gross revenue. Higher revenue unlocks larger financing amounts and better terms.
A dedicated business checking account is required — personal accounts or online-only banks like Green Dot or Chime do not qualify.
Discharged bankruptcies are fine. Open Chapter 7 or Chapter 11 proceedings are the primary disqualifier. Past financial hardship does not eliminate you.
Bank loans require strong personal credit (often 680+), two years of tax returns, a business plan, and collateral. SMB Capital Funding approves based on bank deposits and cash flow. No collateral, no tax returns, no 30-day wait. Most restaurants are funded within 24-48 hours.
Absolutely. Many restaurant owners use our capital for renovations, patio additions, kitchen remodels, and dining room redesigns. The funds are unrestricted once deposited into your business account.
We work with seasonal restaurants regularly. Our underwriting team looks at your peak-season deposits and average annual performance, not just a single slow month. Revenue-based repayment automatically adjusts during off-season periods.
Yes. We fund both independent and franchise restaurants. Multi-unit franchise operators may qualify for larger amounts based on combined revenue across locations.
Overview of all funding programs available specifically for restaurants and food-service businesses.
Programs designed for business owners with credit challenges. 500+ FICO considered.
Emergency capital deposited the same day you apply. For restaurants that cannot wait.
SMB Capital Funding is a DBA of CHC Capital Group. All funding products are subject to underwriting approval. Rates, terms, and availability vary based on business revenue, time in business, and creditworthiness. Funding as fast as same day is available for qualified applicants only and is not guaranteed. Not available in all states. This is not an offer of credit.
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