Restaurant working capital, funded in 24 hours.
Prepline Capital funds restaurant working capital from $10,000 to $2,000,000 over 3 to 18 months, with no minimum credit score, $15,000 a month in bank deposits, and 6 months in business. Offer in about four business hours. Money in 24. Repayment is a fixed daily or weekly ACH out of your operating account — never a percentage of your card sales.
What are the criteria?
Working capital — criteria
- Amount
- $10,000 – $2,000,000
- Term
- 3 – 18 months
- Typical approval size
- 75% – 150% of one month’s bank deposits
- Minimum credit score
- None
- Minimum time in business
- 6 months
- Minimum monthly deposits
- $15,000
- Documents
- Application + 3 months of business bank statements (4 months if seasonal)
- Repayment
- Fixed daily (Mon–Fri) or weekly ACH. No POS split, no holdback.
- Collateral
- None. Personal guarantee required.
- Prepayment discount
- Up to 30% of the remaining balance at 30, 60, or 90 days
- Offer
- ~4 business hours · Funding 24 hours
- Underwritten
- In-house by Prepline Capital
Figures on this page are representative, not an offer. See disclosures.
What do restaurants actually use working capital for?
Payroll and rent through the shoulder season
January and February run well under an August for most operators, and dine-in traffic can drop as much as 20% across the holidays. Repaid out of spring volume.
Typical: $25,000 to $150,000 · 6 to 12 monthsAn emergency that stops service
Hood and suppression, a walk-in compressor, a fryer bank, a grease trap, a sewer line. The jobs that close a dining room until they are paid for.
Typical: $15,000 to $75,000 · funded same dayA tax bill or a liquor license renewal you can’t miss
Deadlines that are not negotiable and do not care what your February looked like.
Typical: $20,000 to $100,000Buying inventory and liquor ahead of Q4
Build the cellar and the walk-in before the season, not during it. If this repeats every year, a line of credit is the cheaper structure.
Typical: $25,000 to $250,000Covering the gap on a big catering contract
Food cost and staffing go out before the deposit clears. If this is a pattern rather than a one-off, ask about factoring instead.
Typical: $20,000 to $200,000Opening the patio, the second bar, or the private room
Revenue-adding build-outs small enough that a term loan’s paperwork costs more time than the project is worth waiting for.
Typical: $50,000 to $500,000What does a working capital advance cost?
A working capital advance is priced as a fixed total payback, not an interest rate. You will see three numbers before you sign: the amount funded, the total you repay, and the payment.
Pay it off inside the first 90 days and you keep up to 30% of the remaining cost. Pay it off inside the first 30 and the discount is at its largest. Your actual numbers depend on underwriting your statements. Nothing on this page is an offer.
Representative file — $150,000 over 12 months
- Amount funded
- $150,000
- Total payback
- $190,500
- Cost of funding
- $40,500
- Daily payment
- $756 across 21 business days per month
- Weekly payment
- $3,664
- Paid off in the first 30 days
- You keep up to $12,150 of the remaining cost
- Status
- An illustration, not an offer
How do you read a restaurant’s bank statements?
We’re looking at five things, and it helps to know them before you send.
- Average daily balance. More important than your top line. A restaurant doing $90,000 a month that never dips under $8,000 is a stronger file than one doing $140,000 that lives at zero.
- Deposit count and consistency. 20+ deposit days a month reads as a working restaurant.
- NSFs. Three or fewer in 90 days is normal in this industry and will not kill a file. Eight will.
- Your floor, not your average. We size the payment against your slowest month in the window, which is why seasonal operators should send four months, not three.
- Existing positions. If you have advances out, tell us up front. We’d rather structure around them than discover them — often with a term loan consolidation.
Daily or weekly?
Weekly
Suits a restaurant with a strong weekend and a dead Monday — one debit on Wednesday against a week of deposits.
Common for bars, nightclubs and venues whose volume lands Thursday through Sunday.
Daily
Suits high-volume operators with even traffic, Monday through Friday, and usually prices better than weekly for the same file.
Debits run on business days only. Weekends and bank holidays are skipped.
Ask for the one that matches your deposit rhythm. You pick at signing, not after. If the payment stops working later, call us and we re-term it — see responsible funding practice.
What a restaurant needs to qualify.
Every number below is a real criterion. If you clear these, apply. If you don’t, call us and we’ll tell you what would change it.
| Minimum monthly revenue | $15,000 in business bank deposits |
|---|---|
| Minimum time in business | 6 months |
| Minimum credit score | None for working capital, equipment financing, or factoring. 600+ for a line of credit. 650+ for a term loan. 680+ for SBA. |
| Funding range | $10,000 to $2,000,000 for working capital and equipment. Up to $5,000,000 for term loans, SBA, and factoring facilities. |
| Time to a real offer | About 4 business hours on a complete file. |
| Time to funding | 24 hours. Same day if a clean file is signed before 11:00 AM ET. |
| Documents required | Application plus your 3 most recent months of business bank statements. 4 months if your business is seasonal. |
| Contract length | 2 pages. |
| Repayment | Fixed daily or weekly ACH from your operating account. No POS split funding. No holdback percentage. No lockbox. |
| Prepayment discount | Up to 30% off the remaining balance when a working capital advance is paid off within the first 30, 60, or 90 days. |
| Cash sales | Counted. We underwrite bank deposits, not card volume alone. |
| POS requirement | None. Toast, Square, Clover, Aloha, Micros, Lightspeed, SpotOn, or a cash drawer — it makes no difference to underwriting. |
| Hospitality types approved | Full-service and quick-service restaurants, pizzerias, bars, taverns, nightclubs, breweries and taprooms, coffee shops, bakeries, caterers, event and banquet venues, food trucks and mobile vendors, ghost kitchens, hotels, motels, B&Bs, hookah lounges, and franchise restaurant groups. |
| Not required | Collateral for working capital. A business plan. Tax returns under $500,000. A specific POS. A minimum number of locations. A liquor license — but we fund venues that hold one. |
| Open to | U.S. businesses with a U.S. business bank account. All 50 states. |
Four minutes. Three bank statements. No credit impact to apply.
Working capital questions, answered.
Is a working capital advance a loan?
No. It is the purchase of a fixed amount of future receivables at a discount. There is no APR, no compounding, and no maturity-date balloon. You repay a fixed total amount through fixed daily or weekly ACH debits. See disclosures for the full description.
Can I get working capital with a 520 FICO?
Yes. Prepline Capital has no minimum credit score on working capital. We underwrite your business bank statements — average daily balance, deposit count, NSF pattern and your slowest month. Credit is reviewed but it is not a cutoff.
How much will I be approved for?
Working capital approvals generally land between 75% and 150% of one month’s bank deposits. A restaurant depositing $100,000 a month typically sees offers between $75,000 and $150,000, sized so the payment survives the slowest month in the statement window.
Will you take a second position?
We prefer to be first. If you have an open advance we will look at a consolidation or a re-term rather than stacking on top of you. Call before you take another position — the earlier you call, the more structure is available.
Do you hold back a percentage of sales?
No. There is no POS split, no holdback percentage, and no lockbox. Repayment is a fixed daily or weekly ACH out of your operating account, so you keep 100% of every sale as it settles and your cash deposits count toward your approval.
How early can I pay it off?
Any time. A working capital advance paid off within the first 30, 60, or 90 days qualifies for a prepayment discount of up to 30% of the remaining cost of funding. The exact schedule is stated in your two-page contract.
No minimum FICO. $15,000 a month. Six months open.
If you clear those three lines, you qualify to apply. Four minutes and three bank statements gets you a real number in about four business hours.