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Revenue-based financing for restaurants & food service

Capital repaid as a fixed share of future revenue. Restaurant owners use Credible Lending revenue-based financing to replace a walk-in cooler or range or build out a second location, with until the agreed total is repaid and same-day decisions.

Apply nowAbout revenue-based financing
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.

Revenue-based financing for restaurant owners
Amount$10K – $2M
TermUntil the agreed total is repaid
SpeedSame-day decisions
PaymentsA percentage of revenue
Best forSeasonal and card-heavy businesses

Common uses in restaurants & food service

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

Why restaurant owners choose revenue-based financing

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.

How does revenue-based financing work?

  1. 1

    Connect your bank or processor so we can see revenue trends.

  2. 2

    Agree on an amount, a total repayment and a holdback percentage.

  3. 3

    Receive funds, usually within a day.

  4. 4

    Repay automatically as a share of revenue. Slow weeks mean smaller payments.

What do I need to qualify?

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

Other funding for restaurant owners

Questions, answered

Something else on your mind? Ask an advisor.

Can restaurant owners qualify for revenue-based financing?
Yes. Most Credible Lending programs look for at least one year in business, $10,000 or more in monthly revenue and a 625+ credit score. We review restaurants & food service financials with the industry's cash-flow patterns in mind.
How is revenue-based financing different from a loan?
Instead of fixed installments, you repay a set percentage of revenue until an agreed total is reached. Payment size moves with your sales.
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.

Ready when your business is.

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

Apply nowTalk to an advisor