The numbers on this line
The line goes up to $350,000 and runs for terms up to 36 months. Rates start as low as 12% annually, and that figure is reserved for the strongest files.
- Limit: as much as $350,000
- Length: terms of up to 36 months
- Pricing: from 12% annually at the low end, for businesses that qualify
- Mechanics: revolving, so you borrow what you need, repay it, and the room opens up again
Your final limit and rate depend on your file. If the file is newer or thinner, a smaller line or a shorter term under a different product may still be open to you.
Where a revolving line earns its keep
Restaurants rarely run short because the business is failing. They run short because money goes out on a fixed calendar and comes in on a variable one. A revolving line smooths that mismatch without forcing you to size a loan around a single event.
- Covering a payroll cycle while a slow week catches up
- Paying the food and beverage order before the weekend rush converts to deposits
- Carrying the lean months between a busy season and the next one
- Absorbing a swing in the delivery and dine-in mix, when third-party payouts arrive later than card settlements
A simple way to picture it (illustrative)
These figures are made up for illustration only and are not our terms. Say a restaurant has a $100,000 limit. It draws $30,000 for two weeks of payroll and food orders, repays that as the weekend deposits post, and then has the full $100,000 available again.
That draw-repay-reuse pattern is the main difference between a line and a term loan, and it is why the line suits costs that repeat or arrive without warning.
Who this line is built for
Established operators are the target. The profile that tends to do well combines 3+ years in business, a 650+ personal credit score, and revenue of $25,000 or more per month.
| Requirement | What a strong file shows |
|---|---|
| Years in business | 3 or more |
| Owner credit score | 650 or higher (personal) |
| Revenue | $25,000 or more each month |
| Ownership | Applicant holds at least 50% |
| Entity | LLC or corporation; sole proprietorships and nonprofits are not eligible |
| Geography | Available in most states |
Read this table as a general profile, not a verdict in either direction. If you miss one, you can still apply, and Restaurant Capital Now will tell you plainly when this product is not the match and point you to what is.
Line of credit or term loan
Choose the line when costs repeat or surprise you across one location or a growing group. Choose a term loan when you have one planned cost and know its price.
This line: up to $350,000 over terms up to 36 months, for needs that recur or surprise you. The term loan: up to $250,000 over terms up to 18 months, for a single planned expense at a known price.
The funding comparison page lays the options out side by side.
What to have ready and what happens next
Plan on three things: your recent business bank statements, the basic details of the business and its owners, and a few words on what the money is for.
You complete one short application. Restaurant Capital Now reviews it and puts your file in front of funders whose programs suit it. For operators who qualify this is among the stronger choices, though never the only one, and you see your real numbers before deciding anything. There is no obligation to accept an offer. Start your application.
Frequently asked questions
Who provides the funding?
The funder that approves your file provides the line. Restaurant Capital Now helps you present a complete file and compare the offers you receive.
Is a line a better fit than a loan for uneven weekly sales?
Often, yes. A revolving line lets you draw only in the weeks that need it and repay when deposits catch up, so the balance tracks your cash cycle. A single planned expense with a known price is the case where a term loan fits better.
How is the rate on my offer decided?
The funder sets rate and limit from your file: time in business, revenue, deposits, and credit. The 12% figure describes the strongest files, not every approval.
What if my restaurant does not qualify for this specific line?
Your file is reviewed against several products. If this line is not the right fit, you will be shown other options that match your business more closely.
Does checking my options affect my credit?
Credit check methods differ by product and funder. Ask how any offer is checked before you accept it.
What states is this available in?
The line is available to operators in most states. A small number of states are not currently eligible, so apply to see whether your business qualifies.
See your real number
One secure application. No obligation to accept an offer.
Updated October 4, 2026 · Restaurant Capital Now Funding Team