Industry expertise
Business Loans Built for Restaurant Owners
Get working capital to replace kitchen equipment, restock inventory, or cover payroll through a slow season, without waiting weeks for a bank's decision.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Businesses funded
- 10,000+Businesses funded
- In funding secured
- $500M+In funding secured
- Industries served
- 50+Industries served
Why it's different
Funding built around how restaurants actually run
Restaurants run on thin margins and perishable inventory, which means you can't stockpile your way through a cash crunch the way other businesses can. A walk-in cooler or exhaust hood failure can shut down service the same day it happens, and health code violations from unrepaired equipment can close you entirely. Add in the post-holiday lull that hits many restaurants every January and February, rising food costs, and the commissions delivery apps take off every order, and it's easy to see why cash flow, not lack of customers, is what keeps many restaurant owners up at night.
TrustFi understands that a restaurant's slowest month can still be a good business. We look at your overall sales history and potential, not a single rough quarter, when you apply. Whether you need same-day funds to replace a broken fryer, cash to restock before a holiday rush, or working capital to get through February, the application takes under 10 minutes and applying does not impact your credit score. Approved restaurants can see funding in as little as 24 hours, with no hidden fees eating into what you actually receive.
What we hear
The cash-flow pressures you know too well
Perishable inventory limits your cushion
Unlike retailers who can hold stock for months, restaurants work with ingredients that spoil in days, so you can't buy far ahead of a price spike or stockpile savings the way other small businesses can, and a bad week hits cash on hand fast.
Kitchen equipment failures can't wait
A walk-in cooler, oven, or ventilation hood going down isn't a someday problem. It can force you to close for the night or fail a health inspection, so repairs or replacements often need to happen within hours, not after a loan committee meets.
Post-holiday slow season hits hard
Many restaurants see a real dip in traffic every January and February after the holiday rush ends, but rent, payroll, and loan payments don't take a seasonal break, which squeezes cash flow at the same time revenue is at its lowest point of the year.
Delivery apps and card fees cut margins
Commissions from third-party delivery platforms and standard card processing fees can take a meaningful bite out of every order, on top of already tight food and labor costs, leaving less room to absorb an unexpected repair or a slow stretch.
Where the money goes
What restaurants use funding for
- Replace a broken walk-in cooler or ventilation hood
- Buy commercial ovens, fryers, or refrigeration units
- Stock inventory ahead of a holiday catering rush
- Renovate a dining room or expand patio seating
- Cover payroll through the slow winter months
- Upgrade point-of-sale systems and kitchen technology
Our recommendation
Funding options that fit restaurants
Based on how businesses in your sector earn and spend, these three structures tend to work best.
- Option 1
Merchant Cash Advance
Repayment scales with your daily card sales, which fits a restaurant's natural rhythm of busy weekends and slower weekdays better than a fixed payment that doesn't adjust to how you actually take in revenue.
How it works - Option 2
Business Line of Credit
Draw only what you need to get through a slow month or an ingredient price spike, and pay interest only on the balance you actually use, keeping costs down during quieter stretches.
How it works - Option 3
Business Term Loans
A fixed lump sum with a set term fits a one-time renovation, a full kitchen equipment replacement, or a buildout, giving you predictable payments while you plan around a bigger investment.
How it works
Getting started
Three steps, no runaround
- 1
Tell us your story
Share a few details about your business and what you need the capital for. It takes under 10 minutes and never touches your credit score.
- 2
Review your options
A specialist reviews your file and comes back with clear, side-by-side options — real numbers, plain English, no pressure.
- 3
Fund your future
Pick the option that fits. Once you approve, funds can reach your account in as little as 24 hours.
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
Can a restaurant get funding with a slow season coming up?
Yes. TrustFi looks at your overall sales history and business potential, not just the current month, so a predictable seasonal dip like the post-holiday slowdown doesn't disqualify you. Many restaurant owners use funding to build a cushion before their slow season starts, covering payroll and rent while traffic picks back up.
How fast can I get money to fix broken kitchen equipment?
TrustFi offers a 2-hour response guarantee after you apply, and approved businesses can see funding in as little as 24 hours. That timeline matters when a walk-in cooler or hood system fails, since a delayed repair can mean lost inventory or a forced closure until the equipment is fixed.
Will applying for a restaurant loan hurt my credit score?
No. Applying does not impact your credit score, and the application itself takes under 10 minutes. You can check what funding you qualify for without any risk to your personal or business credit, which matters if you're weighing options before committing to a repair or purchase.
What can restaurant business loans be used for?
Most restaurant owners use funding for kitchen equipment repairs or replacement, inventory purchases ahead of a busy season, payroll during a slow stretch, dining room or patio renovations, and point-of-sale or kitchen technology upgrades. TrustFi funding isn't restricted to one purpose, so it can cover whatever your business needs most right now.
Does TrustFi work with new or newer restaurants?
TrustFi funds businesses across 50-plus industries and looks at your full financial picture rather than requiring decades of history. While every application is reviewed individually, newer restaurants with a track record of sales are welcome to apply, and the process takes under 10 minutes to find out what you qualify for.
How does repayment work for a merchant cash advance?
A merchant cash advance is repaid as a percentage of your daily card sales, so payments rise and fall with how busy the restaurant actually is rather than staying fixed regardless of revenue. This can make it easier to manage cash flow through naturally slower weekdays or off-season stretches.
Funding for restaurants, without the runaround.
Apply in under 10 minutes. A specialist who understands your sector will walk you through the options within two hours.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees