Which restaurant funding fits your moment?
Start with what the money is for and how long it takes to pay back. Short cash gaps fit working capital or a line of credit. Kitchen equipment fits equipment financing. Openings, new locations and remodels fit term loans or SBA-backed loans. Revenue-based funding suits restaurants with strong card sales and uneven seasons.
- Slow season or food cost jump: restaurant working capital or a line of credit.
- New oven, walk-in or POS: equipment financing.
- New location, rebrand or remodel: restaurant term loans.
- Project that can wait for a lower payment: SBA loans for restaurants.
- Sales that swing by season: revenue-based restaurant funding.
How do we help restaurants compare options?
You apply once and share what the funding is for. We help place financing with funding partners whose products fit that need, and explain the trade-offs in payment, term and total cost. Requirements vary by product and funder; many look at time in business, monthly revenue and credit. No approval is promised.
For a side-by-side view, read types of restaurant funding explained, or see how it works.
Frequently asked questions
What kinds of restaurant funding are available?
Restaurant Capital Now helps with working capital, equipment financing, lines of credit, term loans and revenue-based funding, and helps owners compare SBA-backed loans. Each fits a different need and timeline, so the use of funds usually decides which to start with.
Which funding fits opening versus expanding?
New openings usually rely on owner cash, partners, SBA-backed loans and equipment financing, since many products need operating history. Expanding restaurants can also use term loans and lines of credit supported by the existing location's sales.
Do franchisees and independent owners qualify differently?
The basics are similar: deposits, credit and experience. Franchisees also share the franchise agreement and meet franchisor requirements, while independents rely more on their own sales history. Requirements vary by product and funder.
How fast can restaurant funding typically arrive?
It depends on the product and your documents. Some approvals come within a day or two, depending on documents, while SBA-backed loans often take several weeks to a few months. Timing is never promised.
Tell us what is next for your restaurant
One application helps you see which funding options fit.
Updated September 14, 2026 · Restaurant Capital Now Funding Team