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No hard credit pull to review your options. Same-day funding may be available.

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Restaurant & food service funding

Direct Funding for Restaurants and Food Service Businesses

Funderial provides in-house business funding for operating restaurants across the U.S. Review options based on how your business performs—not only personal credit.

  • Operating restaurants and food service businesses
  • Typical funding amounts from $5,000 to $500,000
  • No minimum credit score to review your options
  • No hard credit pull to review options
Check My Restaurant Funding Options

Available throughout the United States. Reviewing your options does not guarantee approval.

Dining room and open kitchen inside a busy restaurant
Simple Eligibility

See If Your Restaurant May Qualify

Funderial reviews real business activity and revenue—not only the owner's credit score.

Time in Business

Actively operating (often from about 1–3 months; longer history can help)

Monthly Volume

About $10,000+ average monthly revenue or deposits

Credit Safe

No minimum credit score to review & No hard credit pull to review options

U.S. Location

U.S. business with active business bank account

All Restaurant Types

Full service, QSR, fast casual, cafes, bars, catering, food trucks, franchises, multi-location & more

Note: Card sales not required for every structure; consistent processing can help for credit-card split when it fits.

How It Works

Funding Built Around How Restaurants Operate

Restaurants deal with food costs, payroll, equipment, and slow stretches. Direct funding can help qualified operators with:

Check My Restaurant Funding Options
  • Food, beverage, and supply inventory
  • Payroll and staffing
  • Kitchen and bar equipment
  • Repairs, small remodels, and build-outs
  • Slow season or cash-flow gaps
  • Marketing, POS, and operating costs
  • Consolidation of existing short-term business balances when it fits
Chef preparing a plated restaurant meal
Direct Decisioning

In-House Funding First

Funderial is a direct funder. For many restaurants we review in-house programs first—including credit card split and merchant cash advance–style funding typically $5,000 to $500,000, terms often 3–12 months when approved. If another structure is a better fit, we can help review additional options.

Check My Restaurant Funding Options
How It Works

From Request to Options

  1. Apply Online

    Submit your restaurant funding request.

  2. Share Statements

    Share banking activity (statements; processing statements if available).

  3. Consult Specialist

    Review your options with a specialist.

  4. Choose Your Path

    Choose a path (in-house when it fits, or another structure if better).

Submitting does not guarantee approval. Reviewing your options does not require a hard credit pull.

Frequently Asked Questions

All types above; approval depends on the file.

None required to review; approval depends on business performance and underwriting.

No.

In-house commonly $5,000–$500,000 depending on the file.

Not always; helps for some structures.

Depends on docs and approval; specialist sets expectations.

We focus on direct first; other options if needed.

Information is general and does not guarantee approval, funding amount, terms, or timing. Final eligibility depends on underwriting and the business file.

Still have questions? Our funding specialists are here to help.

Contact our Specialist
Quick Funding Review

Request a Restaurant Funding Review

Complete the quick form to review direct funding options for your business. It only takes a minute, and reviewing your options does not require a hard credit pull.

  • Secure data handling
  • No hard credit pull to review your options
Call 855-FUNDINGSpeak directly with a funding specialist

See If You Qualify

Review options with no hard credit pull.

Submitting this form does not guarantee approval, funding amount, terms, or timing. Final eligibility depends on underwriting.