Can restaurants get working capital loans?

Yes. Many providers work with restaurants. Approval depends on time in business, monthly revenue, credit and existing obligations. Typical ranges: $5k – $1M, 3 – 24 months.

How fast can restaurants get funded?

Working Capital Loans typically funds in 1 – 5 days once documents are submitted.

What do restaurants need to qualify?

6+ months in business; Monthly revenue of $10k+ typical; Recent bank statements.

What can I use a working capital loan for?

Typical uses include payroll, rent, inventory, supplies, marketing and covering slow-paying customers.

Restaurants

Working Capital Loans for Restaurants

Working Capital Loans for restaurants provides short-term funding for day-to-day operations, with typical amounts of $5k – $1M and funding in 1 – 5 days. High card volume makes restaurants a natural fit for holdback-based MCAs, while equipment financing covers ovens, refrigeration and POS systems.

Last updated October 23, 2026

Why restaurants use working capital loans

High card volume makes restaurants a natural fit for holdback-based MCAs, while equipment financing covers ovens, refrigeration and POS systems.

Kitchen equipment
Renovations
Seasonal payroll
Inventory and food costs

How it works

Working capital equals current assets minus current liabilities. When cash is tied up in receivables or inventory, a working capital product bridges the gap.

Because the term is short, approval can be faster and requirements more flexible than long-term loans.

Requirements

6+ months in business
Monthly revenue of $10k+ typical
Recent bank statements

Typical ranges

Amount: $5k – $1M
Term: 3 – 24 months
Cost: Varies by product
Speed: 1 – 5 days
Credit: 550 – 680+

Source: industry estimates compiled by BusinessFundingQuote.com; actual terms are set by each provider.

Other options for restaurants

Comparison of business funding options (industry estimates)
Option	Amount	Term	Typical cost	Speed	Credit
Working Capital Loans	$5k – $1M	3 – 24 months	Varies by product	1 – 5 days	550 – 680+
Merchant Cash Advance	$5k – $500k+	3 – 18 months	1.10 – 1.50 factor	24 – 72 hours	500+ often accepted
Equipment Financing	$5k – $5M	2 – 7 years	6% – 30% APR	1 – 10 days	600+
Business Line of Credit	$10k – $500k	Revolving; draws 6–24 mo	10% – 60% APR	1 – 7 days	600 – 680+
SBA Loans	$50k – $5M	10 – 25 years	Prime + spread (capped)	30 – 90 days	680+

Frequently asked questions

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Written by

BusinessFundingQuote Editorial Team

Small business finance writers

Reviewed by

Funding Review Desk

Reviewed for accuracy against current market practices

Rates and ranges on this page are typical market estimates for educational purposes, not offers. How we make money.