Restaurant Business Financing

Need working capital or growth funding for your restaurant business? FinTap provides small business financing to restaurant owners across the credit spectrum. Apply for free today.

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Get the Funding Your Restaurant Needs

If you’ve turned your passion for food into a new restaurant business, you might need additional funding to help you get your restaurant off the ground. Needing financing is a normal part of starting or growing a business, but getting a loan is often easier said than done.

If you have bad credit and have been rejected by traditional lenders, then you know this struggle far too well. Fortunately, there are alternative financing options available, even if you have a low credit score. That’s where FinTap comes in.

We provide personalized financing for restaurant owners up to $500,000 with no up-front fees and flexible repayment options. With FinTap, you get the hassle-free financing you need, regardless of your credit history.

  • Apply in Minutes
  • No Up-Front Fees
  • Get Funding in 2 Business Days*

Restaurant Business Financing Up to $500,000

What makes FinTap different from other lenders? We offer financing in the form of merchant cash advances (MCAs) – which means we provide up-front capital based on your business receivables. You can get access to up to $500,000, regardless of your credit score.

We offer the funding you need with repayment terms you can afford. At FinTap, we help your small business grow without overburdening you with high interest rates or fees. No matter what your credit history, we’ll listen to your story and work to get you the capital you need in no time.

How it Works

Restaurants need capital in order to buy equipment, lease a space, hire staff, and more. Many business owners don’t have this money in their personal bank account, so applying for a loan is the next step. However, having a bad credit score can hinder you from getting approved by traditional lenders.

FinTap looks beyond the credit score to offer flexible, alternative financing. We look at your business holistically to offer cost-effective financing without the stress of strict repayment terms.

What’s better, the money will be deposited right into your business bank account so you can start investing in your business as quickly as possible. You’ll be serving more customers in no time!

  • Financing Up to $500,000
  • 6 to 12-month terms
  • No Sign-Up fees
  • Flexible Repayment Plans
  • Working Capital When You Need It

Apply now to get business funding as fast as two business days.

See how much financing you can qualify for with our calculator.

Borrow up to $500,000 with FinTap for restaurants and bars.

Here's a look at the payments you might expect

A typical rate is a rate that 51% of our customers could expect to receive.

Apply Today to Fund Your Restaurant

Every business owner deserves a shot at getting the financing they need, even if they have a less-than-stellar credit history. Your goal is to generate revenue with your business, so FinTap is here to help you get the ball rolling with convenient capital.

We look at the full picture of your business to offer financing that suits your needs. Even better, you get the funding you need with a payment plan you can actually afford. Plus, you’ll never pay processing fees or hidden costs!

Have Restaurant Financing Questions? We Can Help.

A bad credit score isn’t enough to hold you back from securing the financing your restaurant needs. If you have more questions about qualifying for business financing, check out our Frequently Asked Questions section below or Contact Us directly.

Most traditional lenders (such as banks and credit unions) require a credit score of 650 or above in order to qualify you for a small business loan. If you have bad credit, this can certainly hurt your chances of qualifying for financing. However, there are alternative options available (such as online lenders and MCAs) that look beyond credit score to provide financing with affordable repayment plans.

Some lenders require a down payment with your loan and others do not. These requirements vary from lender to lender. With FinTap, however, there is no down payment required. You can get the money deposited into your account in as little as two business days without paying anything upfront.

Yes – getting a restaurant business loan can be difficult if you have a bad credit score. This is due to the fact that most traditional lenders expect to see a strong credit history before qualifying you for loan. Alternative lenders, like FinTap, however, make it easier to get business financing even if you have poor credit. Apply with FinTap to get the financing you need, fast.