Payroll, rent, equipment and the food order all come due on their own dates. Working capital covers them together while sales catch up.
Apply Now →| Day | Typical payment | Notes |
|---|---|---|
| Monday | Produce and dairy deliveries | Often paid on delivery or short terms |
| Wednesday | Beverage and dry goods | Larger orders |
| Friday | Payroll | Same amount whether it was a good week or not |
| Month end | Rent, utilities, insurance | Fixed bills that do not flex |
| Any day | Repairs | Unplanned and urgent |
Working capital is general operating funding. It suits restaurants whose needs cut across several categories at the same time, such as a payroll shortfall plus a repair plus a seasonal food order. For a single equipment purchase, equipment financing may be better. For recurring dips, a credit line may be better.
Restaurants in tourist areas, college towns and business districts all face different calendars. Some do their best business in summer and some in fall and winter. In any of these, the weeks just before a busy period are often the tightest, because you hire and stock up before sales arrive.
The state minimum wage in 2026 is $17 an hour in New York City, Long Island and Westchester and $16 elsewhere, and it will be indexed from 2027. Add overtime and payroll costs and a larger staff is a bigger fixed commitment than it used to be. When you size funding, count payroll first.
Here is what to expect from us. The range is $25,000 to $5,000,000. We look at about three months of business bank statements, consider FICO scores from 500, and skip tax returns. The application takes around 5 minutes with a soft credit pull, and funding can come in as little as 24 hours. Sole proprietors are eligible to apply.
A restaurant is entering its busiest quarter and wants to hire six seasonal workers, buy ahead on food and fix a dining room floor, together about $35,000 before the extra covers come in. The figures are illustrative only and are not a quote or a typical outcome.
If the gap is smaller than the minimum, working capital from us may not be the right fit. If it is larger, you have a starting point for the application.
Working capital works when the gap is temporary. It does not work when a restaurant is losing money every month. If food cost, labor and rent consistently eat more than sales bring in, extra cash only delays the day you have to address pricing, portion size, hours or menu. Use funding to bridge a known period, then review the underlying economics.
Working capital is general operating funding, so payroll is a common use. Specific terms come with the offer.
Our range starts at $25,000 and goes up to $5,000,000.
No.
In as little as 24 hours.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
