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Restaurants & food service financing

Restaurant financing covers the costs specific to food service: kitchen equipment, buildouts, inventory and payroll through seasonal swings. Credible Lending funds restaurants, cafés, bars, caterers and food trucks from $10,000 to $5 million, with same-day decisions and weekly payments sized to your sales.

Capital that keeps up with the kitchen

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See what you qualify forStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your advisor.

$10K$5M
How long have you been in business?
What's your average monthly revenue?

Total deposits into your business account in a typical month.

What's your personal credit score?

An estimate is fine. Applying won't affect your score.

Where should your advisor reach you?

We'll use this only for your application.

What makes funding restaurant owners different?

Equipment fails on a Friday

A walk-in or a hood system can't wait six weeks for a bank. Same-day decisions mean the repair happens this week.

Seasons are real

December and February don't look alike. A line of credit smooths the slow months without a new application each time.

Margins are thin

We show the total cost of capital in dollars so you can check it against your margins before you sign.

The funding restaurant owners use most

What restaurant owners fund with us

  • Replace a walk-in cooler or range
  • Build out a second location
  • Stock up before a busy season
  • Cover payroll in a slow month

What do I need to qualify?

  • 1 year in business
  • $10K+ in monthly revenue
  • 625+ FICO score
Check my options

Restaurants & food service financing questions

Something else on your mind? Ask an advisor.

Can a new restaurant qualify for financing?
Most of our programs look for at least one year in business and $10,000 or more in monthly revenue. If you're newer, apply anyway: your advisor will tell you what you can qualify for now and what changes at the one-year mark.
Can I finance used restaurant equipment?
Yes. Equipment financing covers new and used kitchen equipment from dealers or private sellers, subject to valuation.

Funding built for restaurant owners.

Apply in about three minutes with a soft credit check. You'll hear back the same day.

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