Houston Restaurant Funding

Capital for Houston's
Food Entrepreneurs

$10,000 – $500,000 · Approved in 24–48 hours · Revenue-based, not credit-based · Restaurants, food trucks, bars & catering

Get Funded Today ↗ See Funding Options

0 Capital Deployed

0 Restaurants Funded

24–48h Avg Funding Time

580+ Min Credit Score

We Get It

The Cash Pressures Every Restaurant Owner Knows

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.

Slow Months Hit Hard on Fixed Costs

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.

Kitchen Equipment Failures Don't Wait

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.

Growth Opportunities Pass You By

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.

Funding Options

Funding Built Around Restaurant Cash Flow

We know how restaurants make money — daily swipes, weekly deposits, seasonal surges. Our lending partners are designed for it.

Best for Restaurants

Merchant Cash Advance 24–48 hrs

$5K – $500K

The most restaurant-friendly product available. Advance based on your daily credit card volume — repayments automatically flex with your sales. Busy weekend? Repay more. Slow Tuesday? Repay less. No fixed payment to miss.

Working Capital Loan 24–48 hrs

$10K – $300K

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.

Equipment Financing 3–7 days

$5K – $500K

Finance commercial kitchen equipment, refrigeration, POS systems, furniture, and food truck builds. Equipment itself serves as collateral — better rates than unsecured loans.

Business Line of Credit 2–3 days

$10K – $250K

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.

Term Loan 2–5 days

$25K – $500K

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.

SBA Loan 2–4 weeks

$50K – $5M

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.

Apply Now

Check Your Options in 60 Seconds

No hard credit pull. A funding specialist follows up within 2 business hours.

Full Name *

Business Name *

Phone Number *

Email Address *

Monthly Revenue *

Funding Amount Needed *

Time in Business *

✓ No credit impact ✓ 256-bit encrypted ✓ Zero fees — ever

Application Received!

A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your restaurant funding options.

FAQ

Restaurant Funding Questions

Do food trucks and pop-ups qualify? ▼

Yes. Food trucks, pop-ups, ghost kitchens, catering companies, and bars all qualify — not just brick-and-mortar restaurants. The key requirements are at least 6 months of business history and consistent monthly revenue shown through bank statements. Your business type matters less than your revenue history.

How does an MCA work for restaurants? ▼

A merchant cash advance is an advance against your future credit card and debit card sales. The lender advances a lump sum, and repayment comes as a fixed percentage of your daily card volume — automatically, with no separate payment to manage. On a slow day you repay less; on a packed Friday night you repay more. It's the most restaurant-friendly repayment structure available.

My credit score isn't great — can I still get funded? ▼

Yes. Most of our restaurant lending partners focus primarily on your revenue history — specifically your 3-month average of bank deposits and credit card processing volume. We regularly help restaurants with 580–620 credit scores get funded. As long as your business generates consistent revenue, there's a product for you.

Can I get funded for a second location build-out? ▼

Absolutely. Expansion funding is one of the most common use cases we see. Depending on your revenue and credit profile, a term loan or SBA loan is typically best for a full build-out — predictable payments, longer terms, and enough capital to cover construction, FF&E, and initial operating costs. Apply and we'll tell you what you qualify for.

How fast can I get funded for a kitchen emergency? ▼

An MCA or working capital loan can fund in 24–48 hours of approval — often same day if your application is complete and documents are uploaded by noon. For emergencies, tell your specialist it's time-sensitive and we'll prioritize your submission. Having 3 months of bank statements ready will significantly speed up the process.

Capital for Houston'sFood Entrepreneurs