Your restaurant needs capital that moves as fast as your kitchen. SMB Capital Funding is a direct lender specializing in restaurant and food-service businesses. No brokers, no waiting — we underwrite and fund in-house.
The restaurant industry runs on thin margins and seasonal swings. Whether you need to cover a slow month, buy new kitchen equipment, hire staff before your busy season, or renovate your dining room, SMB Capital Funding delivers capital designed for restaurant operators — not generic business owners.
We understand that restaurants see revenue fluctuate weekly. Our underwriting team evaluates your bank deposits and daily card processing volume — not just your credit score. If your restaurant does $15K+ per month in revenue, you likely qualify.
A broken walk-in cooler or a grease trap emergency can't wait two weeks. Most restaurant funding applications are approved same day, with capital wired within 24 hours so you can handle the unexpected without closing your doors.
From a single-location taqueria to a multi-unit franchise group, we fund restaurants at every stage. No real estate lien, no equipment pledge — your daily revenue is the collateral.
Remodel the kitchen, launch a catering arm, stock up before the holiday rush, cover payroll during a slow January, or open a second location. There are zero restrictions on how you deploy the capital.
Real scenarios from restaurants we have funded across the U.S.
A pizza restaurant in New Jersey replaced two aging ovens and added a dough sheeter — increasing output by 35% heading into football season. Funded $85K in one day.
A beachfront seafood restaurant in Florida needed $40K to hire 12 seasonal staff before spring break. Approved with a 550 credit score based on strong bank deposits.
A family-owned Mexican restaurant in Texas used $150K to add a patio, doubling their seating capacity and increasing weekend revenue by 60%.
A sushi restaurant in California locked in a bulk supplier deal, saving 22% on fish costs. The $30K advance paid for itself within six weeks.
Three months of business bank statements and a simple one-page application. No tax returns, no business plan, no collateral. Most restaurant owners complete the application in under two minutes.
Yes. SMB Capital Funding works with restaurant owners who have credit scores as low as 500. We focus on your daily bank deposits and card processing volume rather than your personal credit history.
Repayments are made as a small, fixed daily or weekly amount debited from your business account. The payment is predictable and scaled to your revenue so it does not strain your cash flow.
Applying does not trigger a hard credit inquiry. We perform a soft pull that has zero impact on your FICO score. Only your business performance matters for qualification.
Funding amounts range from $10,000 to $2,000,000 depending on your monthly revenue, time in business, and existing obligations. Many single-location restaurants qualify for $50K to $250K.
General-purpose funding for any business expense — payroll, rent, inventory, or growth.
Need cash today? Qualified restaurants can receive funds within hours of approval.
Dedicated programs for ovens, refrigerators, POS systems, and other restaurant equipment.
Payments flex with your sales — pay less during slow weeks, more when business picks up.
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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