We are a national funding solutions network that connects restaurant owners with merchant cash advances, loans, credit lines, and factoring through vetted lending partners. We are not the lender. We are the connection that gets you competitive offers fast, with transparent terms.

Many clients are approved within hours and funded within a day, subject to lender approval and qualifications. Our restaurant funding specialists review applications within 2 business hours for potential pre-qualification.

Three months of restaurant bank statements, your tax ID, and a simple form get you started. Larger requests may add tax returns, profit and loss statements, your food service license, a voided business check, and a government ID.

No. Pre-qualification uses a soft pull with zero impact on your score. Hard inquiries only happen if you accept a lender offer that requires one.

Yes. Our alternative lending partners specialize in second chance restaurant loans and credit challenged financing, and may consider scores as low as 500 by weighting revenue over history.

Programs start at $5,000 for working capital and reach $10 million for invoice factoring and asset based lending. Most restaurant clients land between $25,000 and $500,000.

Our lender network typically connects restaurants with working capital from $5,000 up to $500,000. The amount depends on your monthly restaurant revenue, time in business, and bank statement health rather than collateral.

No. Pre-qualification through Dine Well Financial uses a soft pull with zero impact on your score. A hard inquiry only happens if you accept a specific lender offer that requires one.

Many clients are approved within hours and funded within one business day, subject to lender approval. Submitting clean bank statements up front is the best way to keep your file moving.

Fair, Good, Great, and Excellent profiles can all qualify. Some partners in our network consider restaurant owners with scores as low as 500 by weighting revenue over credit history.

Plan on 3 to 6 months of restaurant bank statements, your tax ID, a voided business check, and a government ID. Larger requests may add tax returns and profit and loss statements.

Many clients are funded in as little as 24 hours after approval. The application takes minutes, and decisions usually come back within one business day.

Advances in our network run from $5,000 up to $500,000. The offer is sized from your average monthly credit card sales, typically 80% to 120% of one month of card volume.

No collateral is required for most restaurant advances in our network. The advance is secured by a portion of future receivables rather than your equipment or property.

Pricing uses a factor rate, commonly 1.15 to 1.45, rather than an interest rate. Your restaurant credit score and monthly revenue drive the quote, and we push every offer to disclose the full payback in plain dollars.

Yes. Refinancing, consolidation, and owner-driven financing can all replace an aggressive advance. Our team reviews your balance and connects you with exit options that restore cash flow control.

You are approved for a limit between $5,001 and $250,000, then draw only what you need, when you need it. Interest applies to the drawn balance, and weekly payments replenish your available credit.

Rolling terms run up to 18 months with interest only payments on unused portions from many programs. Many lenders charge no prepayment penalties, so clearing the balance early simply saves you money.

Yes. Credit lines are one of the best fits for seasonal restaurants because you draw during the slow months and repay in season. Lenders look at 6 months of statements to see your full cycle.

It can. On-time payments are reported by many program lenders, which builds restaurant credit and improves the pricing you see on future funding rounds.

Most programs offer instant access online once your line is active. Initial approval typically completes within 24 to 48 hours of a full application.

Almost any legitimate restaurant purpose: real estate, buildouts, kitchen equipment, franchise fees, working capital, and refinancing existing debt. The program is designed for long-term restaurant investments.

Terms run up to 30 years for real estate and typically 10 years for equipment and working capital. Long terms and automatic payments keep monthly costs low and predictable.

Our lender network arranges government-backed financing from $500 up to $5.5 million, subject to SBA and lender approval.

It requires more documentation and patience than alternative lending. We prepare your file, pair the application with a faster backup option, and let you decide once both offers are real.

Most SBA lenders want a score in the mid-600s or above, plus solid bank statements. If your score is lower today, our bad credit restaurant funding options can bridge you while your file strengthens.

It is short-term financing that covers a funding gap until permanent capital arrives. Restaurants use bridge loans for expansions, buyouts, and renovations that cannot wait for slower underwriting.

Our network arranges bridge loans from $5,001 up to $1 million, sized against your restaurant revenue and the asset or project being funded.

Terms run up to 60 months, though most restaurant bridge loans retire early when SBA or bank financing replaces them. Many lenders charge no penalty for early payoff.

Complete applications are often approved within 24 to 48 hours, with funds moving right after signing, subject to lender approval.

Yes. Acquisitions are one of the most common uses. The bridge secures the deal quickly, and longer-term financing follows once the purchase settles.

You sell outstanding invoices to a factoring partner and receive up to 90% of their value up front, often the same day. When your customer pays, you receive the remainder minus the factoring fee.

No. Approval is based on your customers’ payment strength, and many factors run no credit checks on your restaurant business at all.

Programs in our network advance from $20,000 up to $10 million, with advance rates up to 90% of invoice value.

With recourse factoring you buy back invoices your customer never pays. Non-recourse shifts that default risk to the factor for a slightly higher fee. We connect you with both options.

It is one of the best fits in food service. Catering and corporate dining run on net-30 to net-90 invoices, and factoring converts those into immediate working capital without new debt.

Commercial kitchen equipment, restaurant real estate, food inventory, accounts receivable, and even liquor licenses and permits. Lenders build a borrowing base from whatever holds resale value.

Facilities in our network run from $50,000 up to $10 million, driven by the appraised value of your restaurant assets.

Credit matters less than the collateral. Because the asset secures the facility, lenders approve profiles that unsecured programs decline.

Terms range from 6 to 36 months with fixed daily, weekly, or monthly payments, so servicing stays predictable.

Yes. Your ovens, ranges, and refrigeration keep working in your kitchen throughout the loan. The lender only holds a lien, not the keys.

Yes, it is possible. We work with lenders who may consider restaurants with credit scores as low as 500 by underwriting from revenue and bank statement health instead of credit history.

Limited credit check loans, revenue-based advances, secured restaurant loan options, and cosigner programs. The right fit depends on your sales volume and what assets you can pledge.

Usually, yes. Higher risk means higher pricing. Our advisors push every offer to disclose total payback in plain dollars, and credit building partnerships help you graduate to cheaper capital fast.

Pre-qualification uses a soft pull with zero impact on your score. You see real offers before any hard inquiry happens.

The same speed as everyone else. Many credit challenged clients are approved within hours and funded within a day, subject to lender approval.