Restaurant Business Loans & Working Capital
Restaurants run on thin margins and tight timing. Food costs move weekly, equipment fails at the worst moment, and a slow month can turn into a payroll problem fast. Traditional banks treat restaurants as high risk — we treat strong daily card sales as exactly what they are: proof you can repay.
HL Hunt Funding provides restaurant financing from $5,000 to $500,000 based on your deposits and card volume. Most restaurants pre-qualify with three months of bank statements and fund within 24 hours.
- No credit inquiry to pre-qualify
- Decisions in under 24 hours
- $10K/mo revenue is all it takes
Cash-flow challenges we solve
- Seasonal swings and weather-driven revenue dips
- Equipment breakdowns that stop service
- Food and labor cost inflation
- Banks declining due to industry risk
What restaurant businesses fund
- Kitchen equipment repair or replacement
- Opening a second location or patio build-out
- Bulk purchasing and inventory ahead of holidays
- Payroll during slow season
- Marketing and delivery platform fees
Best funding options for restaurant businesses
Revenue-Based Financing
Get capital today and repay as a small percentage of future revenue — no fixed monthly burden.
Learn moreMerchant Cash Advance
An advance against future card sales with remittances that rise and fall with your revenue.
Learn moreEquipment Financing
Finance new or used equipment with the asset as collateral — preserve your cash and your credit lines.
Learn moreBusiness Line of Credit
Approved once, available always. Pay interest only on what you actually use.
Learn moreCan a restaurant get a business loan with bad credit?
Yes. Restaurant funding is primarily underwritten on card sales and bank deposits. Scores from 500 are accepted for revenue-based products.
How much can my restaurant borrow?
Typically 80–150% of your average monthly deposits, from $5,000 to $500,000.
Get restaurant funding in 24 hours
Two minutes. Six questions. No credit inquiry. Real funding ranges, not a sales call.
Free · No obligation · No credit inquiry