Fast Funding for Restaurants and Bars
Keep your kitchen running, your staff paid, and your concept growing. Flexible funding solutions designed for the unique cash flow cycles of food service and hospitality businesses.
$5K-$500K
Funding Range
24 Hrs
Fast Funding
500+
Min. Credit Score
90%
Approval Rate
Funding Solutions
Financing tailored for food service
Restaurants and bars have thin margins and high upfront costs. Our funding options are built to work with your revenue cycle.
Merchant Cash Advance
Repayments tied to your daily card sales. Pay more when business is booming and less during slower days -- ideal for restaurants with fluctuating revenue.
Working Capital
Cover food costs, payroll, rent, and seasonal staffing with fast, flexible funding. Keep your kitchen stocked and your team paid.
Equipment Financing
Finance commercial ovens, walk-in coolers, POS systems, and bar equipment. The equipment serves as collateral for easier approval.
Renovation & Expansion
Remodel your dining room, build out a patio, or open a second location. Longer-term financing for bigger investments in your concept.
Simple Process
Three steps to funding your restaurant
Apply Online in 5 Minutes
Tell us about your restaurant or bar -- monthly revenue, time in business, and funding needs. No documents required to get started.
Get Matched with Lenders
Our 300+ lender network includes specialists in food service and hospitality. Receive multiple competitive offers within hours.
Choose Your Offer & Get Funded
Review your options with full transparency on rates and terms. E-sign and receive funds in your account as fast as 24 hours.
“We needed to renovate our patio before summer and the banks were going to take weeks. Quick Loans Direct got us $65K in working capital within 48 hours. The patio was ready in time and it doubled our summer revenue.”
Sofia L.
Owner, Luna Cantina — Denver, CO
FAQ
Common questions from restaurant owners
What type of loan is best for a restaurant?
It depends on your needs. Merchant cash advances are popular for restaurants because repayments flex with your daily card sales. Working capital loans are great for covering food costs and payroll. Equipment financing works well for large purchases like commercial ovens or POS systems. Our team will help match you with the best option.
Can I get a loan for a new restaurant with no revenue history?
Most of our funding products require at least 6 months in business and demonstrable revenue. However, if you have prior restaurant experience and a strong business plan, some lenders in our network may consider your application. Equipment financing may be available with as little as 4 months of operating history.
How does a merchant cash advance work for restaurants?
A merchant cash advance provides a lump sum of capital in exchange for a percentage of your future card sales. Each day, a fixed percentage of your credit and debit card transactions goes toward repayment. This means you pay more on busy days and less on slow ones, aligning your payments with your actual revenue.
Will applying affect my credit score?
No. Our initial application uses a soft credit inquiry that does not impact your credit score. A hard pull only occurs if you decide to accept a specific offer and move forward with a lender. You can check your options with zero risk to your credit.
Ready to invest in your restaurant?
Thousands of restaurant and bar owners trust Quick Loans Direct for fast, flexible funding. Apply in minutes with no impact to your credit score.