Traditional banks reject restaurants at alarming rates. SMB Capital Funding is a direct lender that evaluates your restaurant on revenue and cash flow — not just your credit score. Get funded in 24 hours with no collateral required.
Getting a traditional bank loan for a restaurant is notoriously difficult. Banks see food service as high-risk, demand years of tax returns, and take weeks to decide. SMB Capital Funding takes a different approach — we evaluate your restaurant based on what matters: how much revenue comes through your door.
Fill out the form on this page with basic information about your restaurant. No SSN required at this stage. No hard credit pull. Just your name, business name, revenue range, and phone number.
Upload three months of business bank statements. Our underwriting team reviews your deposits, average daily balance, and cash flow patterns. No tax returns. No profit-and-loss statements.
Most restaurant owners receive a funding offer within hours. You will see the total amount, term length, and repayment schedule — no surprises, no hidden fees.
Accept your offer and receive capital via wire transfer. Most restaurants are funded within 24 hours of acceptance. Use the capital for any business purpose.
Banks turn down restaurant owners at higher rates than almost any other industry. Here is why their criteria do not work for food-service businesses — and how SMB Capital Funding fills the gap.
| Criteria | Traditional Bank | SMB Capital Funding |
|---|---|---|
| Credit score required | 680+ typically | 500+ considered |
| Time to decision | 2-6 weeks | Same day |
| Time to funding | 30-90 days | 24 hours |
| Collateral required | Yes (real estate, equipment) | No |
| Tax returns required | 2+ years | None |
| Seasonal revenue accepted | Often disqualifying | Yes — we average peak + off months |
| Industry risk perception | High risk — frequent denials | Restaurant specialists — we know the industry |
Every type: fast food, fast casual, full-service, fine dining, food trucks, catering companies, bars with food service, ghost kitchens, franchise locations, and multi-unit groups. If your business serves food and has revenue, we can likely help.
Yes. Many restaurant owners stack a second or third position of funding to bridge a gap or seize a growth opportunity. Our underwriting team evaluates your net cash flow after existing payments to determine what you can comfortably handle.
SMB Capital Funding offers multiple products including working capital, revenue-based funding, and equipment financing. The right structure depends on your needs and qualifications. Your funding specialist will walk you through the best fit during your call.
Restaurants with at least six months of operating history and $10K+ monthly revenue can qualify. Newer restaurants with very strong early revenue may be considered on a case-by-case basis.
General overview of all restaurant funding programs and real-world use cases.
Compare financing options: revenue-based, working capital, equipment, and lines of credit.
General working capital programs for all industries — restaurants included.
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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