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Our simple 15 second online application can get you matched with offers in minutes.


No Minimum FICO

Bad credit? No problem! Most of our top financing options have no minimum FICO.


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Get matched with the best financing options with the highest funding amount.


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What Do You Need To Qualify?

3+ Months in Business

You can qualify for our top financing options with as little as 3+months in business.

$15,000+ Monthly Gross Sales

The minimum revenue to qualify for financing options are $15,000 per month, or $180,000 in annual gross sales.

No Minimum FICO

We have financing options for all credit profiles. There is no minimum FICO score required to apply.

Fintech Speed

Easy 15-second application to get options in just minutes and funding in hours!

Have Questions?
Speak with a ROK Business Financing Advisor today!

Our Business Financing Advisors will help you find the best financing options for your business to get you more funding, better terms, and lower interest rates. We're available to explain every step of the process from applications to your re-payment schedule!


Maybe you’re looking to upgrade your restaurant with new state-of-the-art equipment, increase staff to provide a better customer experience, or need some cash under your belt to keep your business afloat during turbulent times.

Whatever the case, securing a loan can be critical to your business’s success. And while today there are many more options for restaurant owners to access business loans, it can get confusing and leave you wondering where to begin.

This article sheds light on how to get a business capital loan for a restaurant. We discuss the requirements for obtaining a loan, the different types of financing your restaurant may qualify for, how to get financing when you have bad credit, and how you can be eligible.

Restaurant Business Capital Loan Requirements

Loan requirements differ slightly between traditional and non-traditional lending institutions. Here's what is required to apply for financing from a non-traditional lender:

  • A credit check
  • Three months’ bank statements
  • Federal identification
  • Driver’s license
  • A void check


On the other hand, traditional lending institutions, including the best banks for restaurant loans, typically require that a restaurant is in operation for at least a year.

In addition to the above requirements, you’ll need to supply the following:

  • 2 years’ tax returns
  • A year’s financials (to-date)
  • Your business plan
  • Personal financials
  • Details of other loans you’ve taken
  • Bank statements

As you can see, it's harder to obtain cash advances from traditional bank lenders and merchant cash advances, mainly because of the one-year operation requirement.

However, there's another option, and you need not feel stuck if you’re denied a loan by a traditional lender. Non-traditional lending institutions can provide loans to restaurants with much looser guidelines.

And more great news about non-traditional loans is, once you submit your application, the whole process can (in some cases) take as little as 24 hours.

Getting Financing for Your Restaurant When You Have Bad Credit

Can you still obtain a loan for your restaurant with bad credit?

If you ask a bank, the typical answer is no. Banks are generally reluctant to approve loans for two main reasons: It's a volatile industry with, among other things, high overheads, shaky profit margins, and complex supply chain, and also banks generate more income when they go upstream and target large enterprises.

Unfortunately, banks categorize restaurants as "high risk"; therefore, they’ll require you to provide more financial documentation than owners of other industries viewed as more stable.

So, where can you obtain financing? From non-traditional restaurant financing companies.

With alternative non-traditional lenders such as ROK Financial, you can qualify even with bad credit. What’s more, the application process is easy and much faster.

The Types of Financing You May Qualify For

There are many different types of restaurant loans available for businesses. You will want to thoroughly consider all of your options to decide which one is best for your business. Below are some possible loans to consider.

  1. Working Capital Loans

These loans are the best overall financing option for most restaurant owners. They are short-term loans that can be used towards any of your expenses and operating costs. The maximum amount is usually $250,000 (but can be higher), so they are best for restaurants looking for a fast loan that is relatively small.

  1. Lines of Credit

Another financing option for restaurateurs is opening a line of credit. It is flexible and offers you access to funding whenever you need it.  You can use it for any type of expense. Additionally, you only pay interest on the credit that you use rather than on a full loan amount.

  1. Small Business Administration Loans for Restaurants

SBA loans are small business loans for restaurants that typically are $50,000 or less. An SBA loan is ideal for a business just starting that has small capital requirements. SBA loan applications often require a lot to qualify for and may take months to receive your funding.

  1. Financing for Inventory

Inventory financing comes in many different available options and can be used to cover your company’s food costs. It comes in a line of credit, a short-term loan, or a medium-term load. You are limited to purchasing only inventory with this type of loan, but as long as you follow the rules, you can use it how you please.

  1. Financing for Equipment

Similar to Inventory financing is equipment financing. This is perfect for people, remodeling a location, upgrading their current equipment, or replacing equipment. Equipment loans provide you with the capital you need to upgrade your kitchen equipment. You can finance the total cost of your new equipment, and the equipment itself is used as collateral, so your assets are not at risk. There also may be tax benefits when using equipment financing (consult with your accountant).

Simple 15-Second Business Loan Application

After completing this simple application, we'll pair your with a dedicated Business Financing Advisor to choose the best financing options for your business!