Bad-Credit Funding · 2026

Bad-Credit Business Loans for Restaurants

Bad credit doesn't block funding. Restaurants get approved on revenue and deposits, not credit score — FICO 500+, funded in as little as 24 hours.

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500+Min FICO

24 hrFunding

$5MMax amount

Soft pullNo score hit

See how much your restaurant qualifies for

$25K to $5M on any POS — approved on your revenue, funded in as little as 24 hours. Higher limits than processor-tied lenders.

✓ 500+ credit
✓ 6+ months open
✓ $10K+/mo revenue

1-Minute Application

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Can a restaurant get funded with bad credit?

Yes. Restaurants with bad or fair credit (FICO 500+) can get funded because approval is based on monthly revenue and bank-deposit consistency — not credit score. Toast Funding funds credit-challenged businesses from $5,000 to $5,000,000, in as little as 24 hours, with a soft credit pull that doesn't affect your score.

How bad-credit approval works

Apply in 5 minutes

Soft credit pull that does not affect your score.

We review your revenue

Approval is weighted on deposits and consistency, not credit.

Get your offer

See your amount and terms up front, no obligation.

Get funded

ACH to your account, often within 24 hours.

What matters more than your credit score

How bad-credit funding is underwritten.

Factor	Why it matters	What we look for
Monthly revenue	Ability to repay	~$20,000+/mo deposits
Deposit consistency	Steady beats spiky	Regular deposits
Time in business	Track record	6+ months
Negative days	Cash-flow health	Few overdrafts/NSFs
Credit score	Considered, not decisive	FICO 500+

Working Capital Calculator

Estimate your funding amount and payment. Move the slider to your average monthly revenue.

Average monthly revenue $50,000

$50,000Estimated funding

12 moTypical term

$4,896Est. monthly payment

Estimates only, for illustration. Real amounts and terms are set at underwriting.

What you need to apply

US-based restaurant or food business
6+ months in business
~$20,000+ in monthly revenue
Last 3 months of business bank statements
Valid EIN and business bank account
FICO 500+ (revenue-weighted)

Amounts, cost & speed

Bad-credit funding through Toast Funding runs from $5,000 to $5,000,000, priced on revenue and deposit health rather than credit score. Stronger, more consistent deposits earn larger amounts and lower cost.

Most approvals fund within 24 hours, with a soft credit pull that doesn't affect your score.

Use the calculator above to estimate your amount and payment.

Restaurant businesses we fund

Quick-Service & Fast-Casual

Fund labor and food cost through demand swings and new-location openings.

Cafes & Coffee Shops

Cover equipment, seasonal dips, and inventory for a growing daypart.

Food Trucks & Ghost Kitchens

Capital for a second truck, commissary costs, or a delivery push.

Bars & Grills

Stock the bar, staff busy seasons, and smooth uneven weekly sales.

When bad-credit funding makes sense

A bank turned you down — Get approved on revenue when credit blocked you.
You're rebuilding credit — Fund the business now while your score recovers.
You need cash fast — Speed and flexibility when credit is the hurdle.
A tax lien or past issue — Approval leans on current deposits, not old marks.
You want a path to better terms — Build a track record toward lower-cost funding.

Frequently asked questions

Can I get a business loan with a 500 credit score?

Yes — FICO 500+ can qualify because approval is weighted toward revenue and deposit history.

Will applying lower my score?

No — it's a soft credit pull that doesn't affect your score.

Do I need collateral?

No — this is unsecured working capital based on your revenue.

Will checking my options affect my credit score?

No. Prequalifying uses a soft credit pull that does not affect your score. A hard pull only happens if you accept an offer.

What can I use the funds for?

Any legitimate business purpose — payroll, inventory, materials, equipment, marketing, covering a slow period, or growth. There are no restrictions on how you use the capital.

Are there any upfront or application fees?

No. Applying and getting a decision is free. Any fees are disclosed in your offer before you accept, so there are never surprises.

Sources & further reading

Figures and calculator estimates are typical 2026 industry examples for general information and vary by underwriting; your actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.

Why restaurants choose Toast Funding

Independent and POS-agnostic — a faster, higher-limit alternative to processor-tied offers. We are not Toast, Inc.

🍽️

Any POS, no lock-in

Toast, Square, Clover, Aloha, TouchBistro — keep or switch processors without losing your funding.

⚡

Funded in 24 hours

Decision in as little as 4 hours, money wired in 24–48. Same-day for clean files.

📊

Higher limits, approved on revenue

Up to $5M vs a processor cap. 500+ FICO accepted, underwritten on your deposits and sales.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

✓ 500+ credit
✓ 6+ months open
✓ $10K+/mo revenue

START MY 1-MINUTE APPLICATION →