🍽️ Restaurant & Food Service

Restaurant
Financing.

Running a restaurant is no easy task — and we want to make it easier for you. Our specially formulated financing program is tailored just for restaurants. Whether your goal is upgrading the place or hiring on new staff, Spartan Capital has financing options available for you.

Apply Now → See How We Help
No hard credit pull
Decision in 1 hour
65,000+ funded
Restaurant business
Restaurant business
Just Funded
$$85K
La Mesa Cocina · Restaurant
Up to $2M
Funding Available
24hrs
Avg. Time to Fund
65K+
Businesses Funded
$0
Collateral Required
Zero
Hard Credit Pull
How We Help

Financing That is Tailored to Your Specific Needs

We've funded thousands of restaurant businesses across the country. Here's what they use the capital for.

Kitchen Equipment Upgrades
New ovens, refrigeration, POS systems — finance it all with fixed monthly payments.
Seasonal Cash Flow
Cover slow months, pre-season inventory, or holiday staffing without the stress.
New Location Build-Out
Expand to a second location or renovate your space to drive more covers and revenue.
Payroll & Working Capital
Bridge cash flow gaps and keep your team paid on time, every time.
Restaurant business
$85,000 Funded
Average Restaurant funding amount
Financing Options

Funding Built for Restaurants

Multiple ways to get capital — pick the one that fits your situation best.

Most Popular
Merchant Cash Advance

Repay as % of daily card sales — perfect for restaurants with consistent daily revenue.

Up to $500K
Funding Range
Learn More
Best for Growth
Business Term Loan

Fixed monthly payments for equipment, renovations, or a new location.

$10K – $2M
Funding Range
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Most Flexible
Line of Credit

Draw what you need, when you need it. Replenishes as you repay.

$10K – $250K
Funding Range
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Business owner
★★★★★
"

"Spartan got us funded in 18 hours when we needed to replace two commercial ovens before the weekend rush. The process was seamless and the terms were exactly as promised. We've renewed three times now."

MS
Maria Sanchez
Owner, La Mesa Cocina · Miami, FL
$85,000
Total Funded
Term Loan
Product Used
Get Started Today

Ready to Get
Your Restaurant Funded?

Join thousands of restaurant business owners who trust Spartan Capital for fast, flexible funding.

Decisions in as little as 1 hour
No hard credit pull — ever
Funding as fast as 24 hours
No fixed monthly payments on MCAs
65,000+ businesses funded nationwide
Get Pre-Qualified
No hard credit pull · Response in under 1 hour
No hard credit pull · No commitment · Funds as fast as 24hrs