$10,000 - $500,000 · Approved in 24-48 hours · Revenue-based, not credit-based · Restaurants, food trucks, bars & catering
Houston's food scene is one of the best in the world. But restaurant cash flow is brutal: high fixed costs, unpredictable revenue, and zero margin for error.
Rent, staff, utilities, and insurance don't slow down in January or mid-summer. But covers do. The gap between your slowest month and highest monthly overhead is where restaurants get into trouble, even profitable ones.
A walk-in cooler going down on a Friday costs you in spoilage, lost sales, and emergency repairs, all at once. Hood systems, grease traps, fryers, POS systems: any piece of equipment can go down at the worst possible moment. You need capital on standby, not a loan application.
A second location becomes available. A catering contract comes in, too big for your current kitchen. A festival slot opens up. Growth in the restaurant industry moves fast, and opportunities evaporate when you can't act within days. Capital access is the difference between expanding and watching someone else do it.
We know how restaurants make money: daily swipes, weekly deposits, seasonal surges. Our lending partners are built for it.
The most restaurant-friendly product available. Advance based on your daily credit card volume. Repayments flex automatically with your sales. Busy weekend? Repay more. Slow Tuesday? Repay less. No fixed payment to miss.
Cover payroll, inventory, and operating costs during slow periods or while ramping up a new concept. Fast approval based on monthly deposits, not just your credit file.
Finance commercial kitchen equipment, refrigeration, POS systems, furniture, and food truck builds. Equipment itself serves as collateral, so you get better rates than unsecured loans.
Draw what you need for seasonal inventory orders, a private event prep push, or unexpected repairs. Repay it and the line resets. The smart alternative to carrying constant debt.
Predictable monthly payments for planned growth: a second location build-out, a full kitchen remodel, or launching a catering division. Best when you have a clear ROI on the spend.
Best rates and longest terms for qualified restaurant groups. Ideal for purchasing real estate, a full restaurant acquisition, or major multi-location expansion. Worth the timeline for the right deal.
Equipment failures, supplier crunches, expansion opportunities. Here’s what funding looked like for Houston food businesses.
Houston BBQ restaurant had their POS system and walk-in cooler fail the same week. Supplier invoices were piling up. Bank wanted property collateral, they leased their space. We funded in 19 hours using credit card receivables. Both units replaced, zero downtime for weekend service.
Food truck operator had a loyal customer base and a signed lease on a brick-and-mortar location. The build-out cost more than expected. A fixed-rate term loan covered the gap and gave her predictable payments to plan around while the new location ramped up.
Asian fusion restaurant in the Houston Heights wanted to upgrade to a full commercial kitchen to add a catering line. Equipment financing meant the new hoods, ranges, and refrigeration were collateral for their own loan, no property required.
Banks have been cautious about food and beverage for decades. Here’s what keeps getting restaurant owners rejected, and how we approach it differently.
Banks apply industry-wide failure statistics to individual businesses. A 5-year Houston restaurant with a loyal following gets judged the same as a new concept. Same denial, different story.
Your specific revenue history and deposit patterns. A restaurant doing $40K/month consistently is a strong candidate regardless of industry averages.
Banks want real estate as collateral for business loans. Nearly every restaurant in Houston leases. That disqualifies you from most traditional bank loan products by default.
MCAs, revenue-based products, and equipment financing don’t require property. Your credit card receipts and bank deposits are sufficient.
Food cost, labor, and supplier invoices mean restaurants carry large current liabilities. Banks see payables on the balance sheet and interpret it as financial stress, even when revenue is solid.
Net cash flow through your bank account. If revenue is consistently depositing, payables are normal operating expenses, not red flags.
Four basic requirements. If you meet them, we can find you options today.
Minimum operating history for most products
Shown through business bank deposits
Revenue matters more than credit for most products
3 months of statements for underwriting
No hard credit pull. A funding specialist follows up within 2 business hours.
A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your restaurant funding options.
We fund restaurants and food businesses in every Houston suburb and surrounding city.
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Houston's best food businesses don't let cash flow slow them down. Neither should you.
Apply Now, Free & Fast ↗Most business owners only know about bank loans and wonder why they get turned down. This free guide covers the options lenders don't advertise.
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