Restaurant & Hospitality Business Loans
In today's competitive restaurant industry, reliable access to capital is essential. Whether you need to manage seasonal fluctuations, upgrade equipment, or expand your operations, our restaurant financing solutions provide the flexibility and speed your business needs. Get approved in 24 hours with funding as fast as the next business day.
- $3.5M Maximum Funding
- 6-36 mo Repayment Terms
- 24 hrs As Soon As Funding
- 550+ Credit Score
When to Use Restaurant Business Financing
Maximize your financial potential with our advisors who bring real-world expertise to the table. We're committed to leveraging their extensive knowledge to guide you towards financial success and security.
Inventory & Supplies
Stock up on fresh ingredients, beverages, and supplies while taking advantage of bulk purchase discounts.
Staff & Payroll
Cover payroll costs, hire seasonal staff, and maintain competitive wages during slow periods.
Equipment & Technology
Upgrade kitchen equipment, POS systems, and restaurant technology without depleting cash reserves.
Marketing & Growth
Invest in advertising, expand delivery services, or renovate your space to attract more customers.
Seasonal Fluctuations
Bridge revenue gaps during slow seasons while maintaining operations and inventory levels.
Emergency Expenses
Handle unexpected repairs, compliance updates, or supply chain disruptions without financial strain.
Advantages of Restaurant Business Financing
Discover why restaurant & hospitality business loans businesses choose SCG Funding for their financing needs. Our solutions are designed to keep your operations running smoothly with fast funding, flexible terms, and industry-specific support.
- Fast Access to Capital
- Get approved as fast as 24 hours and funded in as little as 1-3 business days, ensuring you never miss an opportunity.
- Flexible Fund Usage
- Use capital for any restaurant need - from inventory and payroll to equipment and marketing.
- No Collateral Required
- Qualify based on your restaurant's performance rather than risking personal or business assets.
- Renewable Funding
- Access additional capital as your restaurant grows, with options to renew funding before your term ends.
How much can I qualify for?
Understanding your numbers is the first step to unlocking the right funding. Use our simple calculator to estimate what you might qualify for—no commitment required.
Estimate Your Pre-Approval
Select your estimated credit rating:
*Results shown are for illustration purposes only. Applications are subject to approval. Qualification criteria, rates, and other funding terms will vary depending on other factors.
Basic Requirements
- $20,000+Minimum Monthly Revenue
- Demonstrate consistent cash flow with monthly revenue exceeding $20,000 to qualify for most business funding options.
- 1+ yearsTime in Business
- Established businesses with at least 1 year of operating history show stability to lenders.
- 600+Credit Score Considered
- While requirements vary by lender, a minimum credit score of 600 is typically needed, with better terms for higher scores.
“As a small business, acquiring funding at every stage is so important. Mike was very service oriented and professional. He provided options that made sense for our business & most of all he didn't tell us what we wanted to hear to get the close. He was upfront and honest about the entire process & the numbers.”
Ready to grow your restaurant business?
SCG offers more than just capital—we provide restaurants with a strategic approach to funding that helps you manage cash flow and seize opportunities. Our deep understanding of the restaurant industry, combined with fast approvals and flexible terms, makes us the preferred choice for food service businesses nationwide. From inventory and staffing to equipment and growth, we're here to support your success at every stage.