Capital for your next project — Table Capital
Restaurant owners and operators compare restaurant business loan offers for expansion, renovation, equipment, or working capital in one place.
1 soft inquiry. No impact to credit.
4.9 Excellent · 3,200+ reviews via Big Think Capital- prime cost
- POS batches
- BOH buildout
- vendor terms
- ticket times
- cash advance
- seasonal dips
- weekend volume
Financial services and lending solutions for restaurant owners and operators
Compare offers for expansion, renovation, equipment, startup capital, and working capital from lenders that know restaurant cash flow.
- EQUIPMENT Equipment financing Finance ovens, refrigeration, prep lines, and replacements.
- WORKING Working capital loan Cover payroll gaps, inventory buys, and slower weeks.
- RENOVATION Renovation loan Pay for dining room updates, permits, and contractor draws.
- CREDIT Line of credit Draw only what you need for inventory, payroll, or repairs.
- 1 soft pull First credit check
- 24-72 hrs Typical response time
- $25K-$5M Common request sizes
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
-
Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
-
They gave me a chance when nobody else would. I'm very satisfied.
How restaurant funding moves from form to offer
Share basic business details, compare partner lender options, and choose the fit. The first review is a soft inquiry.
Restaurant-first review
- We weigh deposits, sales, and seasonality.
- Big-chain paperwork is not required for every file.
Fast lender match
- Clean files can move in 24-72 hours.
- One inquiry can surface multiple offers.
Clear terms
- Know the payment, term, and use-case fit.
- No guesswork on equipment, buildout, or payroll.
Why banks pass on restaurant files
Restaurants run on seasonality, thin margins, and fast repair cycles, which do not always fit a bank's 2-year checklist.
Thin margins
Banks want wide, steady margins, but restaurants run on thin spreads and food costs move weekly.
Recent openings
A newer unit may not have 2 full tax years or a long operating record.
Speed and seasonality
A stalled oven, patio project, or payroll gap cannot wait for a 6-week committee.
Illustrative restaurant funding scenarios
These composite requests are not real customers. They show the kinds of restaurant financing files partner lenders review.
Independent diner owner
Replaced fryers and a walk-in cooler before summer service.
Fast-casual operator
Covered payroll and inventory during a slow remodel month.
Franchise operator
Funded a second location and opening inventory for an approved site.
New cafe founder
Seeded startup capital for deposits, stock, and first hires.
Related restaurant funding by use case
See equipment, working capital, renovation, startup, and franchise paths in one view. Each request starts with a soft inquiry and lender match.