Fine dining capital serves Florida's upscale and chef-driven restaurants — from Miami's celebrity-chef rooms to Naples fine dining and Palm Beach destinations — with funding approved on your revenue and card sales rather than perfect credit (FICO 500+). We fund from $25,000 to $5,000,000 in as little as 24 hours, built for higher check averages, seasonality, and reservation-driven demand.
Upscale concepts carry higher fixed costs — premium inventory, skilled labor, and a room that has to look the part. When the season turns or a renovation can't wait, capital that moves fast protects both the experience and the margins.
What Fine Dining Operators Fund
Dining-room and kitchen renovations, wine and premium inventory programs, chef and station equipment, seasonal payroll through slow months, private-event and catering capacity, and second-concept openings.
Funding Amounts Based on Revenue
- $10,000 – $25,000 monthly revenue: $25,000 to $50,000 in funding
- $25,000 – $75,000 monthly: $50,000 to $200,000
- $75,000 – $200,000 monthly: $200,000 to $500,000
- $200,000 – $500,000 monthly: $500,000 to $1,000,000
- $500,000+ monthly: $1,000,000+ available
Application Process
- Apply in 5 minutes online and upload 3 months of bank statements. Soft credit pull only.
- Same-day decision with your amount, term, and total cost.
- Sign electronically.
- Funded within 24 hours via ACH.
Requirements
- Florida-based operating restaurant or food business
- 6 months minimum time in business
- $10,000+ in monthly business revenue
- FICO 500+ preferred (lower scores reviewed)
- 3 months of business bank statements
- No active bankruptcy
