Thin margins, hot equipment, seasonal swings and a dining room that needs to feel new every five years — restaurant finance is a specialty. It happens to be one of ours.
Three quick questions — 30 seconds, no credit impact.
Secure & confidential. No obligation.
At a Glance
Programs built for an industry banks famously misread — priced on your covers, not their stereotypes.
The Problem We Solve
Restaurants get the coldest reception in traditional lending — high failure-rate statistics do the talking before your numbers get a chance. But a restaurant with steady covers, controlled food cost and a loyal book of regulars is a genuinely strong borrower.
Our restaurant programs are underwritten on the signals that matter: card volume, deposit consistency, seasonality patterns and unit economics. Your daily batch tells a better story than your NAICS code ever will.
The Menu
Whatever stage your concept is at, there’s a structure for it.
Cover the slow season, the surprise repair, or the payroll week that lands before the holiday rush pays off.
Working capitalOvens, hoods, walk-ins, espresso machines and POS — financed up to 100% so the build-out doesn’t eat your opening cash.
Equipment financingRefresh the dining room, add the patio, open unit two — term capital sized to projected covers, not just current ones.
Term loansYou run hundreds of cards a day. A fairer rate on every single one is pure recovered margin — often thousands a year.
Merchant processingSimple Process
Fast enough that the walk-in gets replaced before the weekend rush.
The application below takes about four minutes. Card processing statements are your fastest accelerator.
~4 minutesA specialist who knows food-cost math reviews your covers, volume and goal — and matches programs the same day.
Same dayClear offers with remittance schedules that respect how restaurant cash actually flows — daily options included.
Plain numbersWorking capital typically lands in 24–48 hours. Equipment deals pay your vendor directly.
24–48 hrs
Who We Fund
Fast-casual, fine dining, ghost kitchens, food trucks, franchise units, bars and breweries — the underwriting adjusts to the concept, but the appetite is constant.
At the table:
Questions, Answered
Because the underwriting is different. Our restaurant lenders price on your actual card volume and deposit history — daily proof of demand — rather than industry-wide failure statistics. Strong covers beat a scary NAICS code here.
Yes — used ovens, refrigeration, and full kitchen packages from dealers, auctions or restaurant closures. It’s often the smartest capital move in the industry, and our equipment lenders fund it routinely.
Several programs offer seasonal or percentage-based remittance — heavier when you’re busy, lighter when you’re not. If you’re in a beach town or ski town, say so; we’ll match a program that gets it.
Yes — expansion is the most common use of restaurant term capital. Lenders will look at unit one’s performance as the proof of concept, and we’ll size the raise against realistic ramp projections for unit two.
Enormously. Consistent card deposits are the cleanest revenue evidence in lending. Many restaurant approvals are driven almost entirely by processing history — another reason to have your statements handy.
No — exploring options uses a soft inquiry only. A hard pull happens only later, with your consent, once you choose a specific program.
Still curious? Read the full FAQ or call (877) 283-2321.
Get Funded
Four minutes. Upload processing statements in the documents step — they do the heavy lifting.
What are you applying for?
Choose the option that fits best — you can always talk it through with a specialist.
How much funding do you need?
Drag the slider — a rough number is fine.
What's it for?A few details
This helps us match you with the right lenders.
Where should we send your options?
A funding specialist will review and reach out — no impact to your credit score.
Speed things up with documents (optional)
Recent bank statements help us get you approved faster. Accepted formats: PDF, PNG, JPG — max 3 files.
Review your application
Make sure everything looks right — then send it our way.
Thank you — your application has been received. A dedicated funding specialist will contact you within one business day.
Need us sooner? Call (877) 283-2321.
Success Stories
Renovations, rescues and expansions across the food world.
When I needed to renovate my restaurant, BTEC came through with quick funding and great rates. I recommend them to every business owner I know.
The line of credit keeps my cash flow steady through slow seasons. Absolute lifesaver.
New ovens, new storefront, one simple approval. My rep felt like a business partner.
Let's Get You Funded
Apply in four minutes and talk to someone who knows what a hood install costs. Capital in days, not months.
