Business funding for restaurants.
Fast capital that matches your seasonal cash flow — no collateral, no runaround. Available in all 50 states. Decisions in 24 hours.
Built for restaurants. Built for speed.
Restaurants run on cash flow that doesn't care about your bank's processing timeline. Whether you're a 30-seat neighborhood spot, a fast-casual chain, a ghost kitchen, or a catering operator, ShopFunders structures funding around how restaurants actually take in revenue — daily, with the seasonality and shift pressure baked in.
Decisions in 24 hours
Submit before noon, get a decision by end of day. Most banks take weeks — we commit to 24 hours, every time.
No collateral, no PG
We fund based on your business's revenue. No home pledged, no personal guarantees, no liens on your assets.
Industry-specific structures
Daily or weekly payments structured around how restaurants actually take in revenue.
Capital that solves real restaurant problems.
Restaurant Owners face thin margins, seasonal swings, equipment breakdowns, and staffing pressure before peak season. Our funding is built for that — fast capital you can deploy for kitchen upgrades, new locations, catering contract staffing, or covering a slow off-season.
Three steps. Zero runaround.
Apply in 2 minutes
Tell us about your restaurant and how much capital you need. No credit check to apply.
Decision in 24 hours
Our underwriting team reviews same-day. We say yes fast — or tell you exactly what we'd need to get there.
Funded in 24–72 hours
Sign your term sheet, send your bank statements, and capital lands in your business account.
Real owners. Real reviews.
"Literally the best. The team at ShopFunder are professional and second to none when it comes to meeting or exceeding expectations."
"ShopFunder is A1! Helped so much!"
Restaurants & Food Service funding FAQ.
What types of restaurants do you fund?
Can I use the capital for a new location?
How are payments structured for a restaurant?
Will this hurt my personal credit?
Restaurants & Food Service funding in all 50 states.
We fund restaurants anywhere in the U.S. Pick your state to see local funding details, common use cases, and underwriting criteria.
Capital that moves at your speed.
Apply in about 2 minutes. No collateral. No credit impact to apply. Decision in 24 hours.
Apply Now →$10K–$900K/month · No collateral · Funds in 24–72 hrs
How restaurant funding actually works
Restaurants run on thin margins and lumpy cash: a walk-in dies on a Friday, the patio build-out that doubles summer covers has to be paid in spring, and January payroll comes due no matter what December banked. Banks have never been fast enough for any of it.
Working capital carries payroll and food costs through slow seasons; equipment and build-out capital replaces kitchen equipment, funds renovations, and opens the next location. Approval reads your daily sales, not your collateral.
What restaurants qualify for
Most restaurants qualify for $10,000 to $2,000,000 based on monthly revenue — typically 3+ months in business and roughly $10,000+ per month. Recent business bank statements are all it takes to start, decisions arrive in about 24 hours, and funds typically land within 24–72 hours of accepting.