Funding for restaurants & food service, built around your cash flow.
Shim Capital gets restaurants, cafés, bars and food-service businesses $25,000 to $5,000,000 in working capital — fast, flexible, and structured around how your business actually earns. Use it for new equipment, payroll through the slow season, renovations or a second location.
See What You Qualify For →Every kind of capital, one quick application
Most lenders push one product. We structure across the whole market and match restaurants, cafés, bars and food-service businesses to what actually fits — then move fast.
How funding works for restaurants
Restaurants run on thin margins and unpredictable cash flow — a slow week, a dead walk-in cooler, or a rent hike can squeeze even a busy spot. Banks rarely lend to food businesses, so most owners use revenue-based funding: we underwrite on your daily card and cash deposits, not your credit score, so a strong restaurant qualifies even with past credit bumps.
What restaurants use it for
Covering payroll and food cost through a slow stretch, repairing or upgrading kitchen equipment, renovating the dining room, opening a second location, stocking up for a big catering order, or consolidating expensive short-term advances into one cleaner facility.
Why it fits
Approvals in 24 hours and same-day funding mean you never miss payroll or a vendor payment, and repayment flexes with your deposits — more in a strong month, less in a slow one. From $25,000 to $5,000,000 based on your sales.
Ready to fund your restaurants business?
Apply in 2 minutes · Approvals in as little as 24 hours · No collateral · All credit welcome
Get My Funding →Restaurants & Food Service funding by state
We fund restaurants, cafés, bars and food-service businesses nationwide. Find your state:
Frequently asked questions
How much funding can a restaurants business get?
Shim Capital arranges $25,000 to $5,000,000 for restaurants, cafés, bars and food-service businesses, sized to your monthly revenue and cash flow — most offers land between 50% and 150% of a typical month's deposits.
How fast is approval?
Approvals come in as little as 24 hours, and funds can reach your account the same day once your last 3–4 months of business bank statements are in.
Do I need good credit or collateral?
No collateral required, and all credit is welcome. We underwrite primarily on your business's revenue and deposit history — not just a FICO score.