Fast
Online application in 5 minutes. Funds deposited the next business day on most products.
Restaurant Industry Funding
Restaurant Business Funding Built for Operators
Fast, flexible, responsible restaurant business funding from $5,000 to $5,000,000 — funded in as little as 24 hours, with no hard credit pull to apply. Coast Funding has financed restaurants, bars, cafés, food trucks, and catering businesses across all 50 states since 2014.
4.8 / 5 on Trustpilot
No Hard Credit Pull
Funded in 24 Hours
Last reviewed: May 12, 2026 · Coast Funding Editorial Team
2014
Funding since
50
States served
$1B+
Deployed to operators
412
Verified reviews
Why Coast Funding
Why Restaurant Owners Choose Coast
Restaurants face funding challenges traditional banks aren't built to solve: thin margins, seasonality, high equipment costs, and tip-driven cash flow. Our team has been financing restaurants since 2014 and approves restaurant business loans based on real-world sales — not just credit scores.
Flexible
Five funding products built for restaurants — from $5K bridge advances to $5M equipment financing.
Responsible
The only funding partner committed to guiding clients to responsible decisions — not just the biggest check.
Funding Options
Restaurant Funding Options
Whether you need short-term restaurant working capital, equipment financing for a new oven line, or capital to acquire a second location, we have a program built for it.
Working Capital
Restaurant Working Capital
$5,000 – $2,000,000 · 3–24 months
Cash upfront to bridge slow seasons, cover payroll, restock inventory, or fund a marketing push. Approval driven by recent sales, not just credit.
Explore working capital →
Equipment Financing
Restaurant Equipment Financing
$10,000 – $5,000,000 · 2–5 years
Finance ovens, refrigeration, hoods, POS, walk-ins, espresso, and full build-outs with fixed monthly payments and specialty programs for kitchens.
Explore equipment financing →
Line of Credit
Restaurant Line of Credit
$10,000 – $500,000 · Revolving
Only draw what you need and only pay for what you use. Revolving access with monthly rates starting at 2.99% — perfect for recurring cash flow gaps.
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Business Term Loan
Restaurant Term Loan
$10,000 – $1,000,000 · Up to 5 years
Fixed-term capital for expansion, second-location build-outs, remodels, and full restaurant acquisitions. Predictable monthly payments.
Explore term loans →
Receivables Financing
Receivables Financing
$10,000 – $1,000,000 · Sales-based
Turn tomorrow's sales into today's cash. Sales-based repayment that ebbs and flows with your business — ideal for catering and large recurring contracts.
Explore receivables financing →
Food Truck & Mobile
Food Truck & Catering Financing
$10,000 – $1,000,000
Capital for new or used food trucks, mobile kitchens, trailers, generators, and event equipment so you can grow service capacity and book bigger contracts.
Apply for food truck financing →| Program | Amount | Term | Best For |
|---|---|---|---|
| Business Line of Credit | $10K – $500K | Revolving | Recurring cash flow gaps, monthly rates from 2.99% |
| Working Capital | $5K – $2M | 3 – 24 months | Inventory, payroll, slow seasons |
| Equipment Financing | $10K – $5M | 2 – 5 years | Ovens, refrigeration, POS, build-outs |
| Business Term Loan | $10K – $1M | Up to 5 years | Expansion, second location, acquisition |
| Receivables Financing | $10K – $1M | Sales-based | Catering contracts, large recurring clients |
All rates, terms, and amounts are illustrative and subject to underwriting, borrower qualifications, and applicable state regulations. Certain programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720.
Your Funding Roadmap
How to Apply for Restaurant Funding
Three steps. Five minutes to start. No hard credit pull, no application fees.
Complete the application
5-minute online form plus 4 months of business bank statements (or link via Plaid). No fees, no obligation.
Review your offer
A Business Funding Advisor calls you within hours with pre-qualified offers customized to your cash flow.
Sign and get funded
Funds can be deposited into your business account in as little as 24 hours after the signed agreement.
$10K+
Minimum monthly gross revenue to qualify for most programs
Restaurant Qualifications
Approved by Sales — Not Just Credit
We approve based on sales performance, time in business, and bank deposit trends — not a credit score in isolation. Here's exactly what underwriting reviews.
Minimum Requirements
- 6+ months in business (3 months for select programs)
- $10,000+ in monthly gross revenue
- U.S.-based business with a business bank account
- Valid government ID and business documentation
What We Review
- Last 4 months of business bank statements
- Daily and monthly card-sales trends
- Time in business and ownership structure
- Industry risk factors and seasonality
Common Use Cases
What Restaurants Use Coast Funding For
From bridging a slow January to opening a second location, our restaurant clients deploy capital in five recurring patterns.
Equipment Upgrades
Payroll & Staffing
New Location & Expansion
Inventory & Ingredients
Frequently Asked Questions
Restaurant Business Funding FAQ
The 10 questions restaurant owners ask us most.
How long does the restaurant funding application take?
The Coast Funding application takes about 5 minutes to complete online. You provide basic business details and 4 months of bank statements (or link via Plaid) for underwriting review.
Can I get a restaurant business loan with bad credit?
Yes. Coast Funding works with restaurant owners across the credit spectrum. Our underwriters weigh recent sales, bank deposits, and time in business — not just credit scores. Bad-credit borrowers typically qualify for working capital or receivables financing.
How much restaurant funding can I qualify for?
Most restaurants qualify between $10,000 and $500,000 based on monthly gross sales. Established restaurants with strong financials can qualify for up to $5 million via equipment financing. A common rule of thumb is one to two months of gross revenue.
How fast can a restaurant get funded?
Funds are typically deposited the next business day or within 24 hours of signed contracts. Some exclusions apply for funding cut-off times and certain products.
Does applying hurt my credit score?
No. There is no hard credit pull to apply with Coast Funding. A hard inquiry occurs only if a specific product requires it after you accept an offer.
What can I use restaurant funding for?
Any revenue-generating activity. Common uses include payroll, inventory, marketing campaigns, equipment upgrades, second-location build-outs, kitchen remodels, and bridging seasonal cash flow gaps.
Do I have to take the full amount I'm approved for?
No. Upon approval you can take up to the approved amount. If you're approved for $100,000 but only need $50,000, you only draw what you need. Your business, your choice.
When can I renew or get additional funding?
Funds typically become renewable around the 50% repaid mark, though this varies by program. Once you reach the renewal threshold, additional capital can be accessed.
Can I use Coast Funding to buy an existing restaurant?
Yes. Restaurant acquisition financing is one of our most common use cases. We can fund the purchase of an existing independent restaurant or franchise, often combined with working capital for the transition.
Is Coast Funding licensed?
Yes. Certain Coast Funding programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720. Coast Funding Services LLC is headquartered in San Diego, California.
About This Page
Editorial Standards
Industries We Serve
Other Industries We Fund
Coast Funding serves small businesses across these industries and many more.
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5-minute application. No fees. No hard credit pull. Funded in 24 hours.
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