Restaurant Small Business Loans
Restaurant margins are thin, and timing is everything. Whether you’re covering payroll before a busy weekend, replacing a walk-in fridge, or stocking up for patio season, your capital shouldn’t hold you back.
Financing Built for Restaurants
Tight Margins. Equipment Costs. We Keep You Cooking.
Common reasons restaurants seek funding:
- Cover payroll and keep your team paid during slower seasons
- Stock up on inventory and ingredients before busy weekends or holidays
- Upgrade kitchen equipment or expand your dining space
- Bridge the gap between vendor payments and customer receipts
We’ll help you smooth out cash flow, keep your kitchen running, and seize new opportunities to grow your restaurant.
Tailored Solutions for Restaurents
One Size Doesn’t Fit All. That’s Why We Offer Options.
Stop waiting to get paid by the credit card processing companies. We can help you get cash for your future receivables.
If projects get delayed or clients are slow to pay, King Capital invoice/receivables financing allows you to dramatically reduce your payment cycle. You sell your unpaid invoices to a third party, and get paid in just a few days rather than weeks or months!
You can typically borrow up to 100% of the amount you need to buy the targeted equipment – up to $5 million per piece. The program is easy to qualify for and easy to repay – low monthly rates are similar to what you’d pay to rent equipment.
A business term loan can provide the infusion of capital you need to meet your goals. Loans are available up to $2 million, with flexible terms from 3 months to as long as 10 years.
For short-term working capital, we offer revolving lines of credit up to $250,000 that work like a business credit card.
Draw funds from your line whenever the unexpected happens – no applications, no waiting for approvals. When you pay back your balance, the funds are available again.
King Capital helps real businesses secure SBA loans—fast, honest, and with expert guidance. With lower rates and longer repayment terms, SBA loans are one of the smartest ways to fuel growth. We simplify the process so you can focus on running your business.
Funding Fast Enough to Match Your Rush Hour
When timing matters, King Capital delivers
Restaurant margins are thin, and timing is everything. Whether you’re covering payroll before a busy weekend, replacing a walk-in fridge, or stocking up for patio season, your funding shouldn’t hold you back.
- 95% of approvals in under 2 hours
- Same-day funding available
- Reps available after hours
- No origination or broker fees on many products
While banks and other lenders leave you waiting, we make sure your practice has the capital it needs, when it needs it.
What Makes Us Different
We Partner in Your Growth
We co-invest in deals with lenders. We put our skin in the game and that means better terms for you.
Transparency
We say no to hidden fees and yes to real transparency.
Financial Expertise
We guide you toward the right long-term solution, not just a quick sale.
More Tables. Better Tools. You Ready?
Get the capital you need to grow your restaurant business—today.
King Capital provides fast, flexible financing so you can cover payroll, upgrade kitchen equipment, and keep service running without interruption. Whether you need $50K or $2M, we’ll help you secure the capital to grow your restaurant on your terms with no hidden fees or surprises.
Real Results. Real Relationships.
“King Capital is the real thing. Customer service and communication through the process was flawless. When King Capital advertises approval within hours, this is no joke!”
Bret
Arizona
“I have been working with Frank at King Capital for several years, and I have never had any issues getting financing. Frank is a pleasure to work with, and he always gets the job done for me and my business no matter the amount of capital we need.”
Ray
Michigan
“Thank you to King Capital and their team of professionals for their quick, clean, and efficient process in meeting my quick-capital needs in order to be opportunistic.”
Tommy
Virgina
Frequently Asked Questions
Can I use restaurant funding for payroll or vendor bills?
Yes. Many restaurant owners use working capital to bridge the gap between payroll runs and weekend revenue. You can also use funds to cover vendor invoices, food orders, or utilities during slow periods.
Do you fund seasonal restaurants or food trucks?
Absolutely. We understand that cash flow can swing with the seasons. Whether your peak is summer patio season or holiday catering, we evaluate your yearly performance—not just one slow month.
What types of restaurants qualify?
We work with full-service restaurants, quick-service chains, bars, cafes, food trucks, caterers, and franchise locations. If you’ve been in business for at least 12 months and generate steady monthly revenue, you likely qualify.
How quickly can I get funding?
Most approvals happen in under two hours, with same-day funding available once you submit your documents. If your paperwork is ready, you could have cash before the dinner rush.
Do I need perfect credit to qualify?
No. We look at your revenue, cash flow, and time in business—not just your credit score. Many restaurant owners qualify even with less-than-perfect credit.
Can I use financing to buy or upgrade kitchen equipment?
Yes. You can finance commercial ovens, fryers, dishwashers, POS systems, bar setups, or even furniture. We also offer sale-leaseback options to free up cash from equipment you already own.
What if my cash flow is unpredictable?
That’s common in the restaurant world. Our flexible repayment options are built to move with your business, so slower weeks don’t put extra pressure on your bottom line.
Do you fund restaurant expansions or remodels?
Yes. You can use financing to open a second location, expand your dining room, or renovate your kitchen. We also help fund leasehold improvements and rebranding projects.