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Restaurant funding in as little as 24 hours

Fast working capital for restaurants, bars, cafes and food trucks.

Cover payroll, equipment repairs, inventory and slow-season cash flow with flexible funding built around daily sales.

  • Funding in as little as 24 hours
  • Pre-approval in minutes
  • No application fee
  • No minimum personal credit score required to start

Applying won’t impact your credit score.

Check your restaurant's eligibility

Takes about 60 seconds. No impact to your credit score.

Your data is protected with bank-level encryption.
How it works

A transparent approach to business funding

No mountain of paperwork. Three simple steps from application to funded.

1

Simple online application

Apply securely in 2 minutes. Answer a few questions and upload 3 months of bank statements — that’s it.

2

Review personalized offers

A real specialist reviews your file and presents the options you actually qualify for, with terms in plain English.

3

Same-day funding

Once approved, funds land in your business bank account — in most cases within 24 hours.

Who qualifies

Simple criteria. Fast answers.

Most U.S. businesses that meet these basics can get funded.

6+
6+ months in business
$15K+
$15,000+ monthly revenue
US
U.S.-based restaurant or food-service business
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Funding options

Funding built to help you grow

From short-term working capital to larger growth capital, we match you to the right product.

Working Capital

$10K – $500K
  • Funds in as little as 24 hours
  • Repayment that flexes with your sales
  • No collateral required
Start application

Business Line of Credit

Up to $250K
  • Draw only what you need, when you need it
  • Pay only for what you use
  • Easy online application
Start application

Term Loan

Up to $1M
  • Fixed, predictable payments
  • Straightforward terms, no hidden fees
  • Approvals in hours
Start application

Larger Growth Capital

$500K+
  • For established, high-revenue businesses
  • Custom structures to fit your goals
  • Dedicated funding specialist
Start application
Why business owners trust us

A partner that keeps your business moving

★★★★★

“I could see every offer in one place and choose what actually worked for my business. Fast and zero pressure.”

Business ownerRetail · FL
★★★★★

“It was fast, it was easy, and it felt like a real partner — not just another lender.”

Business ownerServices · NY
★★★★★

“Funds hit my account the next day. The whole process took minutes, not weeks.”

Business ownerConstruction · TX

We’re not just fast. We’re built for business owners.

Funding in 24 hours
Simple online application
Flexible payment terms
No prepayment penalties
Assigned account specialist
No personal credit score required

Ready to fund your company’s future?

Join the thousands of businesses who rely on Wavecrest Funding for fast, transparent financing.

Check eligibility