Start from your last six months of deposits
Pull up your recent bank statements and look at three figures: how long the business has been operating, your personal credit, and your typical monthly revenue. Those place most files in one of four lanes.
The structure is three qualification tiers, and the top tier holds two products. Read the lane that sounds most like you, then check the table.
The four lanes in plain terms
- Line of credit, up to $350,000: for operators with 3+ years in business, 650+ credit and $25K+/month revenue.
- Term loan, up to $250,000: the same profile of 3+ years, 650+ credit and $25K+/month, in a fixed-term form.
- Growing Business: from 6 months to a few years open, still building credit, with steady deposits. Smaller amounts and shorter terms, with room to grow into better pricing.
- Second Look: for past credit challenges or a harder file. A person reviews the file, and approvals exist even in cases where a bank declined.
Side-by-side numbers
| Tier | Credit score | Revenue each month | Years or months open |
|---|---|---|---|
| Line of credit, up to $350,000 | 650+ | $25,000+ | 3+ years |
| Term loan, up to $250,000 | 650+ | $25,000+ | 3+ years |
| Growing Business | 500-550+ | $8,000-$25,000+ | 6 months to 1 year+ |
| Second Look | Down into the 500s, decided case by case | Looked at one file at a time | 6+ months |
Reading the table honestly
If you sit between two rows, that is normal. A restaurant with strong deposits but a bruised credit score may look different to different funders. Revenue that jumps around with the season can also shift where a file lands.
You do not need to settle this alone. One application lets Restaurant Capital Now place the file in the lane that suits it.
Before you accept any offer
Whichever lane you land in, a few habits protect a restaurant's cash flow.
- Ask for the full repayment total in writing.
- Compare how often payments are due with how often your sales arrive. A weekend-heavy business feels a midweek payment differently from a steady lunch counter.
- Check the payment against your slowest normal week, not your best one.
- Ask how the credit check is done.
None of this requires committing to anything. You decide after you see the real figures, and you can say no to every offer on the table if none of them suits the way your restaurant runs.
Moving up as the business settles
Few operators stay in one lane. Many begin in Growing Business or Second Look, then reach established-business terms as revenue and credit history accumulate. Steady repayment through slow weeks and busy ones is the record that makes the next conversation easier.
Frequently asked questions
I can't tell which tier applies to me. What now?
Apply once. Restaurant Capital Now reviews your file and matches it to the right tier itself, so you do not have to guess.
Can I change tiers later?
Yes. Operators commonly start at Growing Business or Second Look and move into Established Business terms as revenue and credit history build.
Am I committing to anything by applying?
No. One secure application shows your real options, and you decide whether to accept any offer.
Who provides the funding?
The funder that approves your file provides the funding. Restaurant Capital Now helps you present a complete file and compare offers.
Find out where you fit
One secure application. No obligation to accept an offer.
Updated October 4, 2026 · Restaurant Capital Now Funding Team