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HomeIndustriesRestaurant · IN
Restaurant funding · Indiana

Capital for a business that lives on daily receipts in Indiana.

Restaurants are the classic bank decline: thin margins on paper, heavy equipment costs, seasonal swings and a landlord instead of real estate. Revenue-based underwriting reads your daily card and deposit volume, which is where a good restaurant actually shows its strength.

$10K – $2MFunding range
24 hours – 5 daysTypical speed
500+Credit accepted
The problem we solve

Why Indiana restaurants, bars and food service operators run short

Indiana runs on machines and trucks, so equipment financing and factoring together cover most of what we place here. For restaurants, bars and food service operators, that plays out in a handful of predictable ways:

  • A walk-in cooler or hood system that fails without warning
  • Slow season payroll after a strong summer
  • Build-out or patio expansion the landlord will not fund
  • Food cost spikes with menu prices fixed
  • A second location opportunity on a short fuse

None of those are profitability problems. They are timing problems, and timing problems have a right tool — which is the whole point of putting your file in front of several lenders instead of one.

Send these first

  • 3–6 months business bank statements
  • Recent card processing statements
  • Copy of the lease for build-out or expansion
  • Equipment quote when applicable
Start the application Or call 612-927-2055
Ranges reflect typical outcomes across our lender network for Indiana restaurants, bars and food service operators — not a quote.
Right structures

What actually fits a restaurant file.

These are the programs we place most for restaurants, bars and food service operators, in the order we usually consider them.

Revenue advance

Remittance flexes with daily sales, so slow weeks cost less.

Program details

Working capital

General-purpose cash in 1–3 days for repairs, payroll or inventory.

Program details

Equipment financing

Ovens, refrigeration, POS and hoods financed over the useful life.

Program details

SBA 7(a)

The cheapest way to fund a second location or buy out a partner.

Program details
How it runs

From application to wired, in four steps.

01

Four-minute application

Online or by phone. Soft review only — nothing touches your credit score.

02

Travis reads the file

Personally, with restaurant context in mind, and he will tell you straight which programs are realistic.

03

Lenders compete

Your file goes to the funders who already say yes to IN restaurants, bars and food service operators. Offers come back side by side.

04

You choose. We fund.

Sign electronically and the money lands — in as little as 24 hours on the fast programs.

Where we fund

Restaurant capital across Indiana.

Restaurant in IN

Restaurant funding questions.

Most restaurants, bars and food service operators in Indiana see offers within one business day of sending bank statements, and funding lands in 24 hours to 5 business days depending on the structure. SBA and real estate run longer by design.
No, but it changes the structure. Seasonal revenue is why we push restaurants toward a percentage-of-sales remittance instead of a fixed daily debit — the payment shrinks when January does.
Yes. Location two is normally financed on location one's cash flow. If you have 12 months of clean numbers and 680+ credit, SBA 7(a) is worth the wait; if the lease will not hold, working capital bridges it.
It is an advantage. Card volume is the easiest revenue for an underwriter to verify, which usually means a larger approval and a faster answer.
Yes — every county, not just the metros. The application, document collection, signatures and funding all happen remotely, so location never changes your options.
Keep looking

Other states and other industries.

Ready when you are

When your bank says no. We find who says yes.

A four-minute application, a soft review, and no impact on your credit score. Travis reads every Indiana restaurant file personally and calls back with real options — usually the same business day.

Talk to Travis directly612-927-2055

Soft review · No obligation · No impact on your credit score

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