Start with your deposits, not your age
Funders in this tier look closely at how money moves through your business account week after week. A steady deposit pattern is the strongest thing a newer restaurant can show.
Many operators here have a few real seasons behind them, a dependable lunch or dinner base, and a delivery or catering line that adds to the week. What they lack is the long history the top offers expect. That gap is what this tier is built to bridge.
General guidelines for this tier
Treat the numbers below as typical ranges rather than a line you either clear or miss. Funders read the entire file, so consistent deposits can make up for a thinner credit profile.
- Operating history: as little as 6 months to a year
- Credit score (personal): often 500-550 and up
- Revenue per month: generally $8,000-$25,000 or more, deposited consistently
- Who owns it: the applicant holds the majority
What the funding usually looks like
Expect something sized to what the restaurant can comfortably carry today, not a large line built for an established operator.
- Starting amounts sit in the low five figures and rise with revenue.
- Terms are usually shorter, often under a year.
- Pricing reflects the shorter track record and improves as the business builds history.
You will not see a real figure until you apply, and Restaurant Capital Now does not quote a rate before it has looked at your file.
Matching the money to your weekly cycle
Think about when cash leaves and when it arrives. Payroll lands on a fixed day, food orders recur on a set schedule, and sales swing with the weather, the calendar and the delivery-to-dine-in mix. A shorter term means repayment fits into that cycle quickly, so it helps to look at your slowest normal week before you take on any payment.
An illustrative way to test it: take a typical slow week, subtract payroll and food costs, and see what room remains. This is a planning exercise only and says nothing about any offer.
How a first approval can open the next one
On-time repayment builds the history later offers are based on. Many operators start here and, as revenue and credit history build, move toward established-business terms. Each funded file adds to the record the next funder will read.
What to send with your file
- Your latest business bank statements
- Core details on the business and its owners
- A brief note on how you plan to use the funds
A clear sentence on the purpose, such as covering a slow stretch or restocking ahead of a busy one, helps the funder read your file the way you run it.
Frequently asked questions
Who provides the funding?
The funder that approves your file provides the funds. This tier is built for funders that work with newer or growing businesses, and Restaurant Capital Now helps you present a complete file and compare offers.
My restaurant is under 6 months old. Should I still apply?
Restaurant Capital Now reviews every application against its full range of funders, so it is worth applying. You will be told plainly if it is not the right time yet.
Will my rate be higher than an established operator's?
Usually, yes. Pricing reflects the shorter track record, and it typically improves at renewal once you have built payment history.
Does applying hurt my credit?
Practices vary by product and funder. Ask about the credit check method for any offer before you accept it.
Do I have to accept what I see?
No. One secure application shows your options, and there is no obligation to accept an offer.
See your real options
One secure application. No obligation to accept an offer.
Updated October 4, 2026 · Restaurant Capital Now Funding Team