No Hard Credit Pull · Same-Day Funding Available
← All Restaurants Financing

Fine Dining Business Loans — Funded in 24 Hours

Specialized funding for fine dining businesses. 70+ lenders compete for your deal — no minimum credit score, no collateral, no hard pull to check your rate.

✓No hard credit pull to check your rate
✓Revenue-based approval, not FICO-based
✓70+ lending partners compete for your deal
✓Funded as fast as same day
$5M
Max Funding
Per deal or stacked
4hrs
Fastest Funded
Same-day available
No Min
FICO Required
Revenue-based approval
70+
Lenders Compete
You pick the best offer
✓ No Minimum Credit Score✓ $10K+ Monthly Deposits✓ 6+ Months Operating✓ No Hard Credit Pull✓ All Restaurant Types

Fine Dining Financing

Get Your Fine Dining Business Funded in 60 Seconds

Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.

✓Estimated range appears instantly
✓Auto-advances as you answer — no extra clicks
✓Soft credit pull only — your FICO stays untouched
✓Real specialist reviews your file within the hour
✓No obligation — see your options and decide
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$50K/mo$500K+

Estimated Approval Range

$50K – $75K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Your Fine Dining Deal Gets Shopped Across 70+ Lending Partners

BlueVineA Rated
KabbageA Rated
OnDeckA+ Rated
FundboxA Rated
Celtic BankA Rated
Cross RiverA Rated
Ready CapitalA Rated
SmartBizA Rated

+ additional SBA lenders, community banks, credit unions, and specialty finance companies

How It Works

From Application to Funded in 5 Steps

No paperwork avalanche. No bank lobby. No guessing.

📱
1

60-Second Application

Answer 4 questions. No documents needed yet.

🔒
2

Soft Credit Check

Zero impact on your FICO. Score stays untouched.

🏦
3

70+ Banks Compete

Multiple lenders see your deal. Best terms surface.

✅
4

Pick Your Best Offer

Compare rates, terms, and amounts. You decide.

💰
5

Get Funded

Sign digitally. Funds in your account — same day available.

Fine Dining Capital Uses

What Fine Dining Businesses Use Funding For

🍳

Kitchen Equipment

Ovens, fryers, walk-ins, hood systems, POS systems. Upgrade without draining your cash reserves.

👨‍🍳

Payroll & Staffing

Cover payroll during slow weeks. Hire for the busy season. Retain your best staff year-round.

🏗️

Renovation & Buildout

Dining room refresh, patio expansion, bar remodel, second location buildout.

🥩

Inventory & Food Costs

Stock up for busy season. Lock in bulk pricing from suppliers. Never run out of your best sellers.

📈

Marketing & Promotion

Social media ads, Google Ads, delivery platform fees, grand opening campaigns, loyalty programs.

📍

Second Location

Open a new spot, launch a ghost kitchen, or expand into catering. Scale without risking the mothership.

Full Transparency

What Kills Your Qualification (And What Doesn't)

Most lenders won't tell you this upfront. We will.

✅ These Won't Stop You

✓Low personal credit score (no minimum FICO)
✓Seasonal revenue fluctuations
✓Less than 2 years in business (6 months is fine)
✓Cash-heavy business with card + cash mix
✓Existing MCA or high-interest debt
✓No collateral beyond equipment
✓Food truck or non-traditional concept
✓Prior bank denial for restaurant financing

🚫 These Can Be Deal-Breakers

✗Less than $10,000/month in bank deposits
✗Less than 6 months in operation
✗No business checking account
✗Active (undischarged) bankruptcy
✗Negative average daily bank balance
✗Heavy NSF/overdraft activity on statements
✗Active health department closure or violations
✗Undisclosed existing positions or defaults
Check If I Qualify \u2014 No Credit Impact \u2192

The Slow Season Shouldn’t Shut Down Your Kitchen

1 in 5 restaurants don’t survive their first year — usually because they ran out of cash, not customers. A pre-approved credit line costs nothing until you draw it. But when January hits, or the health inspector orders a $15K fix, or your walk-in dies on a Friday — you’re covered.

Check My Rate While My Numbers Are Strong → →

No credit impact · No obligation · 60 seconds

Ready?

See What Your Fine Dining Business Qualifies For

Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.

✓Estimated approval range appears instantly
✓Auto-advances — no extra buttons to click
✓Soft pull only — FICO untouched
✓70+ lenders compete for your deal
✓No obligation to accept any offer
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$50K/mo$500K+

Estimated Approval Range

$50K – $75K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Other Restaurants Specialties We Fund

Click any specialty for tailored financing options.

Full ServiceFast CasualQSR / Fast FoodBar & NightlifeCafé / Coffee ShopFood TruckCateringPizza / DeliveryBakeryFranchiseGhost KitchenAll Restaurants →

FAQs

Fine Dining Business Loan FAQs

Stop Waiting on Banks. Get Your Fine Dining Business Funded Today.

60 seconds. No credit impact. No obligation.

See What I Qualify For →

No hard credit pull · Free to check · Nationwide

See What I Qualify For \u2014 60 Sec \u2192