Who does Restaurant Capital Now help?
We help restaurant and food-service operators: independent full-service restaurants, franchise quick-service units, fast-casual concepts, family restaurants and diners, pizzerias, food trucks and catering companies. Some are opening their first location, and others run several. What they share is a restaurant's cash-flow rhythm, which is very different from most small businesses.
Restaurants run on thin margins, weekly payroll, perishable inventory and sales that swing with weather, holidays and events. Funding that ignores those patterns can create more stress than it solves. That is why every page on this site is written for restaurant operators specifically. Explore our restaurant types.
How does Restaurant Capital Now work with funding partners?
Restaurant Capital Now helps businesses get funded through our funding partners, placing financing with partners whose products fit what the restaurant needs. You apply once, we help match the request to suitable options, and you choose whether to accept any offer. Approval and terms are decided by the funding partner.
The products we help with include working capital, equipment financing, lines of credit, term loans and revenue-based funding, and we help owners compare SBA options.
What do we believe about restaurant funding?
We believe the right funding matches the length of the need, a payment should fit a slow week, and owners deserve plain answers about cost and trade-offs. Sometimes the best advice is to wait, fix pricing or labor first, or choose a slower option with a lower payment. We would rather say that than push the wrong product.
- Match the term to the need. Short money for short gaps, long money for long projects.
- Plan for the slow week. Test every payment against your weakest season.
- Be honest about speed. Some approvals come within a day or two, depending on documents; others take much longer.
- Explain, do not pressure. Our resource guides are written to help you decide.
Is Restaurant Capital Now affiliated with any franchise brand?
No. Restaurant Capital Now is independent and is not affiliated with, endorsed by or sponsored by any franchisor or restaurant brand. We help franchisees fund stages of franchise ownership, such as new units, required remodels and resales, but franchise fees and requirements should always be confirmed with the franchisor and its current disclosure document.
See our franchise quick-service page for how franchisees typically fund each stage.
Frequently asked questions
How do I contact Restaurant Capital Now?
The best way to reach us is to start an application at /apply/. It collects the details we need about your restaurant and what the funding is for, so the conversation starts with the right information.
Does Restaurant Capital Now charge me to apply?
Applying is how we learn about your restaurant and what you need. Any costs of funding, such as fees or interest, are disclosed in the funding partner's offer. Read every offer carefully and ask questions before you sign.
What requirements do I need to meet?
Requirements vary by product and funder; many look at time in business, monthly revenue and credit. Our guide to what funders look for when a restaurant applies explains each factor.
Do you work with restaurants in every state?
We work with restaurant owners across the United States. Product availability and terms can vary by state and funding partner, so your options depend on your location and your restaurant's details.
Let's talk about what's next
Start with one application and see which funding options fit your restaurant.
Updated September 14, 2026 · Restaurant Capital Now Funding Team