Can restaurants get business loans with bad credit?

Bad credit doesn't disqualify you. Traditional banks want 680+ credit scores. They'll decline you automatically if you don't hit that number. We don't.

What we check:

Your bank statements from the last 4 months. If you're depositing $10K+ per month and have a credit score of 450 or higher, you're already fundable. Yes we check credit, but revenue drives the decision.

Why this works:

Credit scores tell a narrow story. Your revenue tells us what's happening right now. A restaurant that struggled two years ago but is pulling steady numbers today? That's who we fund. The deposits prove you can handle the payments.

What bad credit affects:

Your rate. Naturally, better credit gets better pricing than challenged credit. That's because challenged credit = increased risk. And increased risk = increased rate. Most restaurant owners don't have perfect credit. Equipment breaks. Slow seasons hit harder than expected. Payroll needs to get met when sales dip. These aren't edge cases. They're our daily clients.

We focus on whether your business can afford the payments today. Not what happened to your personal finances three years ago. If your restaurant is depositing money, we're ready to help you.