Restaurant Line of Credit in San Jose, CA

San Jose restaurants running Toast, Square, Clover or any card processor can access $25,000 to $5,000,000 in restaurant line of credit — underwritten on your card batches and daily settlement rather than credit alone (FICO 500+), with a fast approval. Restaurant Line of Credit gives you revolving credit to draw as needed — pay only for what you use. You don't need an existing loan or advance to qualify — this is straight first-position capital for San Jose restaurants.

Get funded in San Jose — see your amount

Two-to-four-hour decisions. Same-day funding. No obligation. Apply Online →

Why San Jose restaurants choose us

• Your batches are the application. A 500+ FICO in San Jose clears when the card settlement is steady.
• No processor switch required. First-position funding that sits alongside the POS you already run.
• $25K to $5M. A new line of terminals, or the capital to open a second San Jose location.
• Settlement-speed decisions. Most San Jose approvals come in 2 to 4 hours and fund the same day — roughly one batch cycle.

What San Jose operators put restaurant line of credit toward

Card volume in San Jose is the clearest read on a restaurant there is — it shows covers, average ticket and the swing between a Tuesday and a Saturday. Operators put the capital into:

• Cover recurring food and labor costs
• Keep a buffer for slow weeks
• Handle payroll swings
• Jump on bulk-inventory deals

How it works in San Jose

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, San Jose restaurants are funded the same day. Requirements: FICO 500+, 6+ months in business, and $10,000+ in monthly revenue.

Common questions

How fast can a San Jose business get funded? Most approvals come in 2 to 4 hours, with same-day funding once you're approved.

Do I need an existing loan or advance? No. This is first position, and a San Jose operator with no open advances and clean batches gets the strongest terms.

What credit score do I need? 500+ FICO is accepted. Underwriting reads your card settlement and deposit history, not the score on its own.

Get restaurant line of credit in San Jose today

Funding that moves at the speed of your San Jose batches — approved on sales, funded the same day. Apply Now ⚡