Capital That Keeps Your Kitchen Running
From equipment upgrades to second-location buildouts, get the funding your restaurant needs without the red tape of traditional bank loans.
- ✓ Soft credit check only — your score stays put
- ✓ Money in your account in about 24 hours
- ✓ Compare 30+ options with one application
2,400+ businesses fundedNo SSN required • Free quote in minutesTwo banks told me to come back next year. These guys had money in my account by Thursday.
Nobody pulled my credit, nobody played games. The offer they showed me is the offer I got.
Bought a second truck right before our busy season. It paid for itself in two months.
How much would actually help?
We build around your business.
No collateral required
We fund the business on its revenue — not your possessions.
Pay when you can
Repayment follows your actual sales — strong months pay more, slow months ease up.
Funded fast
Most owners see offers the same day and money within ~24 hours of signing.
Restaurant Business Funding
Restaurants face a funding paradox: they're among the most capital-intensive small businesses to operate, yet traditional lenders consider them among the riskiest to finance. Between equipment that costs tens of thousands, build-out expenses that run into six figures, and razor-thin margins that fluctuate with seasons and trends, most banks simply won't extend meaningful credit to food service operators.
Granton Hale Capital takes a different approach. We evaluate restaurants based on daily transaction volume, POS data, and revenue consistency, not just personal credit scores. We understand that a restaurant doing $30K per week in card sales is a fundamentally different risk than its credit score suggests. Our underwriting model rewards operators with strong, consistent revenue even if their balance sheet carries the debt typical of restaurant buildouts.
Whether you're upgrading to a commercial-grade kitchen, expanding your dining room, opening a second location, or simply need working capital to cover payroll during a slow January, we structure funding around the reality of restaurant cash flow, including seasonal dips and the lag between food costs and revenue collection.
The funding gaps we close.
Equipment Failures and Upgrades
A broken walk-in cooler or failing oven can halt operations overnight. Commercial kitchen equipment costs $5K-$100K+ per unit, and most restaurants can't absorb unplanned capital expenditures without outside funding.
Seasonal Revenue Swings
January through March can see revenue drop 20-40% compared to peak summer or holiday months. Fixed costs, rent, insurance, salaried staff, don't decrease, creating cash-flow crunches that threaten operations.
High Upfront Build-Out Costs
Opening or renovating a restaurant typically requires $250K-$750K+ in build-out expenses, from kitchen ventilation and plumbing to seating, decor, and ADA compliance, all before serving a single customer.
Thin Margins Under Rising Costs
Food costs, labor expenses, and delivery platform commissions (20-30% per order) compress already slim margins. A 5% increase in ingredient costs can eliminate profitability without corresponding menu price adjustments.
Funding built for your work.
Fund commercial kitchen equipment, refrigeration units, POS systems, and furniture with terms designed for the useful life of restaurant assets.
Bridge cash-flow gaps between slow seasons, cover payroll during ramp-up periods, or fund marketing pushes for new menu launches.
Structured financing for renovations, build-outs, and second-location expansions with predictable monthly payments.
Repay as a percentage of daily card sales, payments naturally decrease during slow periods and increase when business picks up.
Your funding in three steps
Apply online
- 60-second form, plain questions
- No SSN, no hard credit pull
- Bank-level encryption
Compare real offers
- Every option, side by side
- Same-day decisions
- Free to look — no obligation
Get funded
- Funded within ~24 hours
- No hidden fees, ever
- Built around your needs
What owners do with it.
Fund patio additions, interior redesigns, or kitchen expansions to increase seating capacity and revenue per square foot.
Finance commercial ovens, walk-in coolers, dishwashers, or ventilation systems without depleting operating capital.
Cover the build-out, staffing, and initial operating costs of expanding to a new neighborhood or market.
Invest in delivery infrastructure, catering equipment, packaging, and marketing to open new revenue channels beyond dine-in.
Owners just like you — funded.
Real businesses, real outcomes. Names and details changed for privacy — the numbers are typical of funded files.
Fair questions, straight answers.
01Can I get funded if my restaurant has only been open for a year?+
Yes. We work with restaurants that have at least 6 months of operating history and consistent daily transaction volume. We review your POS data and bank statements to evaluate revenue patterns rather than requiring years of tax returns.
02Do you require collateral for restaurant funding?+
Most of our restaurant funding products are unsecured or secured only by the equipment being financed. We don't require you to pledge your home or personal assets. Our underwriting is based primarily on your revenue and business performance.
03How does repayment work during my slow season?+
With our revenue-based financing, repayment is tied to your daily credit card sales. During slower months like January, your payments automatically decrease proportionally. This protects your cash flow when you need it most.
04Can I use funding for a restaurant build-out or remodel?+
Absolutely. Build-outs and renovations are among our most common restaurant funding use cases. We can structure term loans for larger projects and release funds in stages aligned with your construction timeline.
Related industries
See your numbers first. Then decide.
- ✓ Pre-qualify in 60 seconds
- ✓ No obligation, no pressure calls
- ✓ Real people behind every file — 100% online