24-48 hrs
To funding, once approved
Home / Industries / Restaurants & Cafes
Restaurants & Cafes funding
Capital for the dining room and everything behind it.
Equipment, renovation, payroll, inventory, and marketing, funded fast, so a slow month or a broken walk-in never stalls service.
$10K-$3M
Funding range
1 Page
Application
All profiles
Credit considered
Restaurants live and die on thin margins and unpredictable weeks. A broken oven, a slow January, or a sudden chance to take over the space next door can all hit at once, and a bank is not going to move in time.
Exp Capital funds working capital in 24 to 48 hours and offers term loans up to 36 months for bigger builds, so you can keep the lights on and still grow.
What owners use it for
Funding for the real costs of restaurants and cafes
Kitchen equipment
Replace the walk-in, the range, or the POS before it costs you a service.
Renovation and buildout
Refresh the room or take over the space next door.
Payroll and staffing
Keep your team through the slow season and the holidays.
Inventory and suppliers
Buy ahead, take bulk pricing, and never 86 a bestseller.
Marketing
Fund the campaigns and delivery pushes that fill tables.
New location
Open the second spot with a term loan built around your cash flow.
Faster than a bank
Built for how restaurants and cafes actually moves
Exp Capital
Bank loan
When the job, the repair, or the buy will not wait weeks for a bank committee, speed is the whole point. Approved deals fund in 24 to 48 hours.
The process
Three steps to funded
1
Tell us about your business
A few quick questions, about 60 seconds, and it never touches your credit.
2
Get a real decision
A dedicated advisor reviews your file and brings back the options you actually qualify for.
3
Get funded
Approve your offer and the capital lands in your account, typically in 24 to 48 hours.
Check your eligibility
See what your business qualifies for
Takes about a minute. No documents to upload yet, no impact to your credit, and no obligation. A funding advisor follows up the same day.
- Approved deals funded in 24 to 48 hours.
- $10,000 to $3,000,000 based on your revenue.
- All credit profiles are welcome to apply.
See what you qualify for
8 quick questions. Free, about a minute.
Funded in
24-48 hrs
24-48 hrs
You are all set.
A funding advisor will reach out today to walk through your options.
Approved deals are typically funded within 24 to 48 hours.
Questions
Restaurants and Cafes funding, answered
My sales are seasonal. Can I still qualify?
Yes. We build funding around your real revenue pattern, and repayment can flex with a slice of daily sales.
Do you fund newer restaurants?
We consider businesses with as little as six months of history. Your deposits tell the story.
Can I use it for a remodel?
Yes. For larger buildouts, a term loan up to 36 months usually fits better than a short advance.