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Working capital loans for restaurants & food service

Short-term funding for payroll, rent, inventory and other everyday costs. Restaurant owners use Credible Lending working capital loans to replace a walk-in cooler or range or build out a second location, with 3 to 18 months and decisions in 4–6 hours.

Apply nowAbout working capital loans
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.

Working capital loans for restaurant owners
Amount$10K – $2M
Term3 to 18 months
SpeedDecisions in 4–6 hours
PaymentsDaily or weekly
Best forPayroll, rent, inventory and seasonal swings

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 a working capital loan

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 a working capital loan work?

  1. 1

    Apply with basic business details and recent bank statements.

  2. 2

    We review revenue and cash flow, not just your credit score.

  3. 3

    Choose from offers with different amounts and terms.

  4. 4

    Funds land in your account, often the same day.

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 a working capital loan?
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 fast can I get a working capital loan?
Decisions typically come within 4–6 hours of a complete application, and funding often follows the same or next business day.
What documents do I need?
Usually a short application and your last three to four months of business bank statements.
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