Can I get a business loan for my restaurant with less than 2 years in business?

Yes. We fund restaurants with as little as 6 months in business and $10K+ in monthly revenue. Our revenue-based products focus on your bank deposits, not your time in business.

How fast can I get funded for kitchen equipment?

Equipment financing decisions are typically made within 24-48 hours. Once approved, funds can be disbursed the same day or next business day.

Do I need collateral for a restaurant business loan?

Most of our products require no collateral. MCAs and lines of credit are unsecured. Equipment loans use the equipment itself as collateral.

I have existing MCAs with high daily payments. Can you help?

Absolutely. Our MCA Bailout program consolidates multiple advances into a single, lower payment — often cutting your daily obligation by 40-60%.

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Business Funding for Restaurants & Food Service

From kitchen upgrades to payroll coverage, get the capital your restaurant needs in as little as 24 hours. No collateral required.

Get Funded Now Find My Loan Match

No Obligation

No Collateral

2-Minute App

$127K

Avg. Funded Amount

96%

Approval Rate

24 hrs

Avg. Funding Time

2,400+

Restaurants Funded

Why Restaurant & Food Service Businesses Choose Slate Financial

Restaurants operate on razor-thin margins with unpredictable revenue swings. Whether you need to upgrade kitchen equipment, cover payroll between seasons, or open a second location, Slate Financial delivers the capital you need. We understand food service cash flow cycles and structure funding around your actual revenue, not outdated bank formulas.

Common Challenges

Seasonal revenue dips create cash crunches

Equipment failures require immediate capital

Banks take weeks and reject most restaurant apps

High-interest MCAs erode already thin margins

Buildout costs for renovations or new locations are high

How We Help

Revenue-based funding that flexes with your sales

Equipment financing with same-day decisions

Lines of credit for payroll and inventory gaps

MCA bailout to reduce punishing daily payments

Term loans for expansion and renovation projects

Common Funding Needs

What Restaurant & Food Service Businesses Use Capital For

Kitchen equipment upgrades and replacements

Payroll and staffing during slow seasons

Renovation and buildout for new locations

Inventory purchasing for high-volume periods

Marketing and delivery platform investments

Best Funding Options for Restaurant & Food Service

Matched to your industry's unique needs and cash flow patterns

Merchant Cash Advance

$5K – $2M

24 hours

Fast working capital based on your future sales. Get funded in as little as 24 hours with minimal paperwork.

Approval based on revenue, not credit No fixed monthly payments Same-day decisions

Apply Now

Equipment Lending

$10K – $5M

24–48 hours

Finance new or used equipment with competitive rates and flexible terms up to 84 months.

Up to 100% financing New & used equipment Terms up to 84 months

Apply Now

Lines of Credit

$10K – $1M

24–48 hours

Flexible revolving credit lines — draw what you need, when you need it, and only pay interest on what you use.

Draw on-demand Revolving credit Only pay interest on what you use

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Term Loans

$25K – $5M

24–72 hours

Fixed-rate business term loans with predictable payments and competitive rates for established businesses.

Fixed monthly payments 1–5 year terms Competitive rates

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MCA Bailout

$20K – $7M

24–72 hours

Consolidate and refinance high-cost merchant cash advances into a single, manageable payment.

Reduce daily/weekly payments Consolidate multiple MCAs Improve cash flow

Apply Now

How It Works

Get Funded in 3 Simple Steps

STEP 01

Apply Online

Complete our simple 2-minute application. No paperwork, no hidden fees.

STEP 02

Get Matched & Approved

Our team matches you with the best products for your industry and gets you approved in as little as 4 hours.

STEP 03

Receive Your Funds

Funds are deposited directly into your business account within 24 hours of approval.

Why Slate Financial

Built to Get You Funded

AI-Powered Underwriting

We match your profile to the right capital fast, with no guesswork.

Licensed in All 50 States

Nationwide coverage so we can fund businesses wherever you operate.

15+ Loan Products

From lines of credit to commercial real estate, matched to your needs.

Funding in as Little as 24 Hours

Move quickly once you're approved, without drawn-out paperwork.

We Never Sell Your Data

Your information stays with us and is used only to fund your business.

States licensed

24hr

Funding speed

$50M

Max deal size

6,000+

Capital sources

FAQ

Restaurant & Food Service Funding Questions

Get Funded for Your Restaurant & Food Service Business

Join thousands of restaurant & food service businesses that trust Slate Financial. Apply in 2 minutes. Get funded as fast as 24 hours.

No Obligation

No Collateral Required

Same-Day Decisions

Start Your Application Find My Loan Match