Restaurant financing
Get $5,000 to $10 million to cover payroll, buy kitchen equipment, fund a renovation or grow your restaurant, funded in as little as 24 hours.
- No collateral required
- Same-day decisions
- No hard credit pull
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
Restaurant financing options at a glance.
Sales come in every day, while large costs come due all at once. What you’re paying for decides which option fits.
Small Business Term Loans
- Best for
- A dining room renovation, a patio build-out or a second location
- Repayment term
- 6 to 48 months
- Min. credit score
- 500+
Business Line of Credit
- Best for
- Food and beverage stock and payroll through slower weeks
- Repayment term
- Revolving: repay and draw again
- Min. credit score
- 500+
Equipment Financing
- Best for
- Ranges, hoods, walk-ins, refrigeration and point-of-sale systems
- Repayment term
- 2 to 5 years
- Min. credit score
- 500+
Working Capital
- Best for
- A quick repair, stock for the busy season or a slower January
- Repayment term
- 3 to 24 months
- Min. credit score
- 500+
Bridge Capital
- Best for
- Signing for a second location or your building before longer financing closes
- Repayment term
- Weeks to months
- Min. credit score
- 500+
How restaurant financing works.
A restaurant’s sales arrive every day, while its biggest costs come all at once: a new hood, a renovation, a second lease. Financing spreads each large cost into payments you make from your sales.
You apply online in minutes. Our team reviews your application and brings you the options that fit your business. We look at your revenue, deposits and time in business, not just your credit score, and daily card deposits show how steady your sales are.
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Match the financing to the purchase. Kitchen equipment suits equipment financing, secured by the equipment. A renovation or a partner buyout suits a term loan. Quick repairs and short gaps suit working capital or a line of credit, and a new location waiting on a longer loan suits bridge capital.
What we look at. Your recent deposits, your time in business and your credit. Card sales show your busy and slow seasons as well as your totals.
What it costs. Prices vary by lender and by business. Compare offers by what you’ll receive, each payment and the total you’ll repay, in dollars.
See how we stack up.
| Traditional Bank | Typical Online Lender | ||
|---|---|---|---|
| Decision speed | Same-day | 2-8 weeks | 1-3 days |
| Credit check | Soft pull only | Hard inquiry | Often a hard pull |
| Min. credit score | 500+ | 680+ | Varies |
| How they decide | Revenue + 50 factors, human review | Tax returns, financials | Algorithm only |
| Who you work with | One dedicated advisor | Loan committee | Call center or portal |
| Collateral | None required | Often required | Sometimes |
| Funding range | $5K-$10M | $50K+ minimum | Varies |
| Apply NowApplying won’t affect your credit score. |
Restaurant financing for every situation.
Three situations, and the financing that fits each.
Replacing a walk-in cooler
A cooler that fails before a busy weekend has to be replaced fast. Equipment financing or working capital covers the replacement, and you repay it from your sales.
Preparing for the busy season
Staff, stock and patio furniture need to be in place before the summer rush. A line of credit lets you draw for each as the season approaches.
Opening a second location. A term loan, or bridge capital while longer financing closes, pays for the build-out and the new kitchen.
What restaurant owners use financing for.
Kitchen equipment
Ranges, fryers, hoods and walk-ins, replaced or upgraded.
Renovations
A refreshed dining room, a patio or a bar that seats more guests.
Food and drink stock
Bought at volume prices ahead of the busiest weeks.
Payroll and staffing
Cooks and servers hired and trained before the rush.
Marketing and events
A new menu, catering promotion or holiday events.
A second location
The build-out, deposits and opening payroll for a new location.
All you need to qualify.
We look at more than your credit score, including your revenue history, deposit consistency and time in business. A restaurant with strong cash flow may qualify even with imperfect credit.
- No collateral
- No hard credit pull
- No upfront fees
- 500+
- Minimum credit score
- 6+months
- In business
- $150K+
- Yearly revenue
- 4months
- Of bank statements
Three steps to your funding.
- 1
Apply online
Fill in our short application in a few minutes. A few basics about your business and what you need, with no stack of paperwork to get started.
- 2
Get your options
Our team reviews your application and brings you the options that fit your business. We look at revenue, deposits and time in business, not only your credit score.
- 3
Receive your funds
Once you’re approved and the documents are signed, the funds can be in your business bank account in as little as 24 hours.
Frequently asked questions.
Is Noya Funding a lender?
Noya Funding is a business funding broker. We work with a wide network of lenders: our team reviews your application, matches you with the options that fit your business and stays with you through funding.
Does applying affect my credit score?
No. There’s no hard credit pull to apply, so applying won’t affect your credit score.
How do you look at a restaurant’s cash flow?
Through your business bank statements. Daily card deposits show your sales clearly, and a strong season and a quieter one show up side by side.
Our sales dip after the holidays. Does that matter?
Seasonal swings are normal for restaurants, and we read the quieter months alongside the busy ones.
Can I finance used kitchen equipment?
Yes. Equipment financing covers used ranges, coolers and hoods as well as new, with the equipment itself as the collateral. You’ll need a quote or a bill of sale from the seller.
How much can a restaurant get?
From $5,000 to $10 million. The amount rests on your monthly revenue, your time in business and your credit, and on what the money is for: equipment financing covers up to 90% of the equipment’s value.
Which states do you work in?
Every state except Texas, Virginia, Connecticut and Missouri, where we can’t take requests yet.
Ready to get funded?
Apply online in minutes. No collateral, no hard credit pull and no obligation.