Why Restaurant Operators Often Have Credit Hits
Past concept failures, partner buyouts, divorces, hurricane cash crunches — none predict future restaurant performance. We underwrite on what your restaurant generates today.
Funding by FICO Tier
- 500-579: $25K-$100K initial, refinance after 6-12 months
- 580-619: $25K-$500K
- 620-679: All programs available
- 680+: Premium pricing
Avoid These Mistakes
- Stacking applications across multiple lenders simultaneously
- Hard credit pulls before confirmed approval
- Factor rates above 1.55
- Upfront fees before approval
Refinance Path
Start small, repay clean 6-12 months, refinance into larger lower-cost program.