How fast can I get loan funds if my restaurant equipment breaks?

When your walk-in freezer dies at 10am or your oven quits during dinner rush, you can't wait weeks for a traditional bank. We fund restaurants in as little as 3 hours, though most get funded same or next day.

Here's the timeline:

• Application: 5 minutes. Basic info about your restaurant and upload 4 months of bank statements.
• Approval: As fast as 2 hours, usually same day. We're looking mainly at your revenue, not running a full financial analysis.
• Funding: Instant to same/next day, depending on your bank's processing times. Many restaurants have funds the same day they apply.

This works because we approve based on revenues, not credit scores or collateral. If you're doing $10K+ in monthly deposits, you likely qualify. We look at consistent sales coming through your bank account.

What you can fund: Anything you want. We give you cash. You spend it however you need. Walk-in coolers, ovens, payroll, inventory, rent. We'll never ask for a detailed accounting of how you spent the money.

About the cost: Financing is no different than any other product: you get what you pay for. If you have time to wait weeks or months, you'll get a better rate at a bank or the SBA. But if you need something quickly, there's an associated cost. That's because speed increases risk, and risk = rate. But it's never prohibitively expensive. We want you to succeed. If the funding was going to hurt you, you'd never come back, and that's not what we're after. Most customers who use us once return to use us again.