Funding for restaurant owners
The produce and the meat are paid for on the vendor's calendar, not on the night you sell them. Then the walk-in quits on a Friday with the whole weekend's product inside, and that repair does not wait on a loan committee. Your card batches say more about this place than a balance sheet ever will.
Full service · Quick service · Pizzeria and taqueria · Bar and tavern · Coffee shop and bakery · Food truck · Catering
Our funding partner, ROK Financial
Your bank knows one of them. If it said no, you likely still qualify under another. That is not a pitch, it is how lending is structured.
Your card batches and the cash you deposit are the whole story here, and no minimum credit score applies. A strong Saturday counts even if the quarter read badly on paper.
Typical: 4+ months in business · $10K+ monthly sales · no minimum credit score
A line of credit sits there for the quiet weeks: draw what the produce invoice needs and pay interest on that much and no more. A term loan is the other shape on this path, one lump sum on a fixed monthly payment, for the patio or the second line. Both are decided on your profile.
Typical: 6+ months in business · 600+ FICO for a line of credit
When the walk-in quits on a Friday, this is the path that does not wait for a good month on the deposits. A hood system, a range or a point of sale can be financed with a low down payment or nothing down, and a kitchen that is already paid for can back the loan instead.
Typical: 580+ FICO · no minimum time in business for equipment
ROK Financial's published criteria. Not a commitment to lend.
On your revenue
Cash against the money already moving through your bank account. It is the fastest option on this page and the one with no credit score floor, because it is underwritten on your deposits rather than your FICO. Use it for materials, payroll, rent or a job you need to start before you get paid for the last one.
ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
On what you own
Financing for the machinery, vehicles or technology a business runs on, either to buy new gear or to borrow against gear you already own outright. It is the most forgiving option on time in business: there is no minimum, because the equipment itself carries the file.
May vary based on equipment type. ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
On your credit
A pool of money you draw from when you need it and pay interest only on what you actually use. Pay it back and it is available again. It suits a business whose gaps come and go rather than one that needs a single lump sum.
ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
Takes 15 seconds
Three questions here, then you finish a short secure application. Checking your options is a soft pull and does not affect your credit score. A hard inquiry may be required at final approval.
When you submit, we send your first name, email address and monthly sales range to ROK Financial so they can work your request. Nothing else leaves this page. Privacy Policy
We're Funding Access Platform, an independent funding referral service. We work with restaurant and bar owners because a bank wants collateral it can sell, and a hood system, a walk-in and a lease are not what it has in mind.
We don't lend money ourselves. We pass your request to ROK Financial, an A+ rated, BBB accredited marketplace that has funded over two billion dollars in business financing, and their team works your options across all three paths.