Restaurant Business Loans, Funded in as Little as 24–48 Hours
$20,000 to $500,000+ for restaurants, bars, cafés and caterers through one 60-second form. One application for our lender network and one dedicated specialist who knows how restaurants earn. Restaurant business funding and working capital from $20K to $500K+, for restaurants, bars, bakeries, cafes and pizzerias.
- Repayment that follows your sales. Some options are repaid as a share of card sales, so a slow week costs less.
- Money for the walk-in, the payroll gap or the second location. Whatever it’s for, it can move fast.
- Just 3 months of business bank statements to receive offers.Some states require 4 months.
See What Your Restaurant Qualifies For
Takes about a minute. No obligation, and applying won’t affect your credit.
From Application to Funding in Four Steps
The same process we have run for more than 10,000 businesses.
Step01Tell us what you need
Loan amount, monthly revenue and how to reach you. About a minute, and a soft inquiry only.
Step02Meet your funding specialist
One person owns your file. They read your statements, ask the right questions and work the lender network on your behalf.
Step03Compare real offers
Term, payment and total cost side by side. No jargon, and nothing is signed until you understand every line.
Step04Get funded
Sign electronically. Most files fund in as little as 24–48 hours of approval.
What Restaurant Owners Fund with It
Restaurants run on thin margins and busy weekends. Funding covers the moments that can’t wait.
- Equipment that can’t waitWalk-ins, hoods, ovens, dish machines and POS.
- Payroll and inventoryAhead of a busy season or a big catering order.
- Remodels and patiosRefresh the dining room without draining the operating account.
- A second locationBuild-out and opening costs for a proven concept.
One Application, Every Option That Fits a Restaurant
Amounts and timing depend on your file. SBA, equipment and receivables financing are also available through the same form.
Merchant Cash Advance
Repaid as a share of daily card sales, so repayment moves with your volume.
Working Capital Loan
Short-term capital for payroll, inventory, materials or a slow stretch.
Equipment Financing
Finance the equipment you need, where the equipment itself is the collateral.
Business Line of Credit
Draw for predictable seasonal swings and redraw as you repay.
Established Businesses Qualify Fastest
Three things decide the menu of offers. None of them is a perfect credit score.
Credit is considered, not decisive. Revenue-based options weigh your deposits more heavily than your score. Lines of credit need 650+.
Florida-Based, Funding Nationwide
A+ rating with the Better Business Bureau. 4.9 out of 5 based on 200+ Trustpilot and Google reviews (as of September 2026).
Speed without the runaround
Pre-approval in hours, not weeks, and funding in as little as 24–48 hours.
One specialist, start to finish
A named person who knows your file, answers the phone and explains every term.
Offers you can compare
Term, payment and total cost side by side, in writing, before you sign.
Repayment that fits
Daily, weekly or monthly repayment matched to how your business actually earns.
Would absolutely recommend Raul to anyone looking to find funding solutions for their company. If it wasn’t for Raul & RAN Funding I would not have been as prepared as I am now to reach my business goals. Thank you!
Restaurant Business Funding for Every Concept and Kitchen
Food costs, payroll and equipment repairs never wait for a slow Tuesday. One application reaches a network of funders; decisions in 24–48 hours.
Restaurant Business Loans
A business loan for a restaurant gives you a lump sum with payments over up to 3 years. Restaurant business loans cover kitchen equipment, dining room refreshes, patio build-outs and a second location. Catering business loans run through the same short application.
Restaurant Business Working Capital
Restaurant working capital covers food, liquor, payroll and rent while you wait for the weekend rush. Restaurant business working capital includes a merchant cash advance repaid from card sales, so payments flex with revenue. Working capital for restaurants can fund the same day on some products.
Bar and Restaurant Business Loans
Bar and restaurant business loans finance draft systems, POS upgrades, patio expansions and the liquor inventory that ties up cash. Bar business loans and bar business funding are sized to your deposits, not your lease, with offers from $20K to $500K+.
Bakery Business Loans
Bakery business loans cover deck ovens, proofers, mixers, display cases and a wholesale delivery van. Bakery business funding from our network fits retail bakeries, wholesale operations and dessert shops with a year in business and $20K or more in monthly revenue.
Coffee Shop Business Loans
Coffee shop business loans and cafe business loans finance espresso machines, grinders, drive-thru build-outs and a second cafe. Coffee shop business funding looks at daily card volume, which most cafes have plenty of, rather than collateral or real estate.
Pizzeria Business Loans
Pizzeria business loans cover deck and conveyor ovens, dough equipment, delivery vehicles and online ordering systems. Pizzeria business funding comes from funders that know high-volume, card-heavy concepts, and a dedicated specialist explains each offer in plain terms.
Straight Answers Before You Apply
How fast can a restaurant get funded?
Merchant cash advances and working capital can fund in as little as 24–48 hours once approved. Equipment financing and lines of credit typically take 48–72 hours. Your specialist gives you the realistic timeline before you commit to anything.
Can I get funding with less-than-perfect credit?
Often, yes. Revenue-based options are underwritten mainly on your business deposits and card sales, not your personal score. Lines of credit need 650+ credit.
Do I have to switch my card processor?
No. Nothing in the process requires changing processors. If any offer is conditioned on a processor change, your specialist will flag it before you sign.
Can I get funding to open a new restaurant?
Not through this program. It’s built for operating restaurants with at least one year in business and $20,000+ in monthly revenue.
How do fast restaurant business loans work?
Fast restaurant business loans start with a short application and three months of bank statements. Decisions come back in 24–48 hours, and restaurant business funding same day is available on some products. Fast restaurant financing from a network of funders means several offers, not one bank's answer. Your specialist shows the total cost before you sign.
Can I get emergency restaurant business funding for a broken walk-in?
Yes. Emergency restaurant business funding is one of the most common requests we see: a walk-in, hood or oven fails and the kitchen cannot open. A quick restaurant business cash advance or fast restaurant business working capital can be in your account in as little as 24 hours after approval.
What is a restaurant business line of credit?
A restaurant business line of credit is an approved amount you draw from as needed, repay and reuse. It suits recurring needs like inventory and payroll, while a business loan for restaurant equipment suits one-time purchases. Business funding for restaurants often combines both.
Does RAN Funding lend restaurant business financing directly?
No. RAN Funding is a broker and ISO. We take one application for restaurant business financing and present it to a network of funders, then a dedicated specialist brings back offers and walks you through them. BBB A+ rated, 200+ reviews, serving restaurants across the U.S.
Is RAN Funding a lender?
RAN Funding is a business financing broker, not a lender. One application reaches a network of funders, and a dedicated specialist brings back the offers you qualify for with the rate, term and total cost side by side. Our compensation is disclosed and paid by the funder, and it does not change the terms you are quoted.
Ready When You Are
One minute to see your options. A specialist calls back during business hours, Monday to Friday, 9am to 6pm ET.