BadCreditBusinessLoan.com
(213) 785-8787Get my funding options
Funding for restaurants

Funding that knows your prep, your rush, and your slow season.

Cash flow for payroll. Inventory for the holiday rush. Buildout for the second location. Restaurant-tuned funding from lenders who don't blink at thin margins or seasonal dips.

Slow season or a sudden opportunity? Tell us you need it fast and we'll move on it.

Warm, full dining room of a busy restaurant
A signature plated restaurant dish
Avg we put together
$87,000
$0K
Avg amount we put together
$5K–$5M
Funding range available
650+
Restaurants we've helped
0%
Get options at $25K+
What it funds

What restaurant owners use BadCreditBusinessLoan.com for.

Payroll bridge

Cover payroll through a slow Tuesday week without dipping into the deposit account.

typically $10K – $60K

Inventory pre-buy

Lock in seafood, produce, and dry-goods pricing before holiday demand spikes.

typically $15K – $120K

Equipment & repairs

Replace the walk-in cooler, refresh the line, or upgrade the POS overnight.

typically $20K – $250K

Build-outs & remodels

Refresh the dining room, build a patio, or add a service window for takeout.

typically $50K – $400K

Second location

Bridge financing for lease deposit, build-out, and grand-opening through breakeven.

typically $100K – $750K

Marketing pushes

Fund delivery-platform spend, paid social, and grand-opening campaigns.

typically $5K – $40K
Best fit for restaurants

The funding we'd put on the table.

Merchant cash advance
Daily remits tied to card sales. Survives slow weeks because remits scale down with you.
$10K – $500K · 4–18 months
Business line of credit
Revolving capital for payroll and inventory. Pay interest only on what you draw.
$25K – $500K · revolving
Equipment financing
Up to 100% of equipment cost, with the gear itself as collateral.
$15K – $1M · 2–7 yrs
Invoice factoring
For caterers and ghost kitchens with B2B receivables. Cash within 24 hours.
$5K – $500K · receivable-tied
A restaurant kitchen and dining room mid-service

Your kitchen doesn't wait. Neither do we.

Tell us what you're funding and we'll put together real options from the banks and partners who actually back restaurants.

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Questions, answered

Restaurant funding, demystified.

Don't see your question? Call (213) 785-8787 or email hello@badcreditbusinessloan.com.

Most restaurants run on 3–9% net margins and our lender partners price for that. We weight revenue stability over reported profit. If you've done $200K+ in revenue over the past 3 months, you're very likely to qualify for something.

Yes. We have lenders who specialize in newer concepts. Time in business matters, but a 6-month-old restaurant doing $40K/month is fundable. Pre-revenue and concept-stage funding is harder — we'll be straight with you about it.

Two ways: (1) merchant cash advance remits scale with your daily card volume, so slow weeks remit less, (2) we structure lines of credit with interest-only minimums, so you don't pay principal during the slow season.

COGS doesn't typically come up in underwriting unless it's wildly out of band. The two factors that matter most are time in business and average monthly revenue.

Yes — this is one of our most common use cases. We'll structure a longer-term loan (typically 24–60 months) and ladder funding so you have working capital available after the build-out.

See what your restaurant qualifies for.

Four minutes. Soft credit check. A real person calling before service starts.

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No tax returns required to start
Options put together within 1 business day
A pro who knows restaurant cash flow
Soft pull — your credit score is safe