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Funding for every kind of restaurant

Every restaurant format has its own cash-flow rhythm. A diner runs sixteen hours on a griddle, a pizzeria lives on weekend delivery, a caterer spends before the client pays, and a franchisee works to a franchisor's remodel schedule. Restaurant Capital Now helps independents and franchisees across these formats get funded through our funding partners.

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Independent Full-Service RestaurantsFunding for sit-down independents: slow seasons, kitchen equipment, refreshes and second locations.Read moreFranchise Quick-Service RestaurantsFunding for QSR franchisees: fees, new units, required remodels, resales and development schedules.Read moreFast-Casual RestaurantsFunding for make-lines, ordering and pickup tech, marketing pushes and new fast-casual units.Read moreFamily Dining and DinersFunding for all-day kitchens, dining room updates and ownership changes at family restaurants.Read morePizzeriasFunding for pizza ovens, dough equipment, delivery operations, cheese price swings and new shops.Read moreFood TrucksFunding for truck and trailer builds, repairs, event season cash and the move to a second truck.Read moreCatering CompaniesFunding for event costs before final payment, delivery vans, holding equipment and production kitchens.Read more

Why does restaurant type matter for funding?

Restaurant type shapes what you need funded and how funders read your statements. Full-service restaurants carry heavier labor, fast casual invests in ordering technology, food trucks depend on events and weather, and franchisees have franchisor requirements. Matching the product to those patterns keeps payments manageable in your slow weeks, not just your busy ones.

What do all restaurant types have in common?

Nearly every restaurant funds the same business moments: opening, adding a location, covering cash-flow gaps, replacing equipment, and buying or rebranding. Requirements vary by product and funder; many look at time in business, monthly revenue and credit. Clean bank statements and a clear use of funds help in every format.

See our funding solutions or read what funders look for when a restaurant applies.

Frequently asked questions

Do you work with bars and nightclubs?

Restaurant Capital Now focuses on restaurants and food-service businesses, including restaurants that serve alcohol with meals. Bars and nightlife venues that are primarily beverage businesses are outside this site's focus.

Is my restaurant type too small or too new?

Size and age affect which products fit rather than whether you can apply. Newer restaurants often start with equipment financing, while established ones have more options. Requirements vary by product and funder.

Do franchisees need anything different?

Franchisees usually share the franchise agreement and meet franchisor requirements, and existing operators share unit-level results. Restaurant Capital Now is not affiliated with any franchisor.

Your format, your funding fit

Tell us what kind of restaurant you run and what comes next.

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Updated September 14, 2026 · Restaurant Capital Now Funding Team