Growth is on the menu.
Fast, flexible funding to help restaurants and bars stock up, staff up, and stay ahead. 🚀
Funding up to $500,000. No hard credit check.
*Average completion time 3 minutes.
Why Restaurants Choose Zippi for Funding
We believe in people, not algorithms.
Apply in Minutes, Funded in Hours.
Complete our short online application and receive funds in  hours.
Flexible, Competitive Financing.
We offer rates tailored to your business needs, ensuring you get the best deal.
Simple and Transparent.
We provide funding with clear and easy to understand terms - no surprises.
How Restaurant Financing Works
Funding doesn’t have to be complicated - so we made it simple.
Start by applying
Any green button will do
Provide some basic details
Takes 3 minutes!
Share account details
(3-4 months bank statements)
Who Can Apply for Restaurant Funding?
Whether you're a first-time owner or an established restaurateur, Zippi is built to support real businesses - with funding specific to their needs. We work with:
Quick-service restaurants (QSRs) & takeout spots.
Full-service restaurants, bistros, diners, and cafés.
Bars, sports, beer, wine, cocktail, and pubs.
Coffee shops, bakeries, and speciality cafés.
Single-location brands and multi-site chain establishments.
We know hospitality moves fast. That’s why our process is built to keep up — no drawn-out forms, no hard credit checks, and decisions in hours, not weeks.
Apply in minutes*
Common Uses for Restaurant Capital
From managing payroll to upgrading your kitchen, Zippi gives restaurant owners fast, direct access to funding—no middlemen, no delays.
Manage cash flow during slow seasons.
Upgrade kitchen or front-of-house equipment.
Make payroll during peak staffing times.
Open a new location or add seating.
Stock up on fresh ingredients and supplies.
Refresh your dining space or kitchen layout.
We support businesses like yours—whether you’re managing operations or serving customers firsthand
Minimum Requirements.
To boost your chances of getting approved, make sure you meet these basic criteria to prequalify for restaurant funding with Zippi.
$20,000+ in Monthly Sales.
Your business must generate at least $10k per month in gross sales.
Business Owner.
You’re the owner or the person authorized to make financial decisions for the business — including applying for funding on its behalf.
Over 12 Months in Business.
Your business should have been in operation for at least six months — the longer, the better.
Have a Business Bank Account.
You must have a business bank account where you deposit sales. A personal bank account does not qualify.
Trusted by local businesses across industries.
We’ve partnered with businesses like yours— veterinary clinics, local bakeries, gadget shops, restaurants, and more—to help them reach their next milestone.
Restaurants
Construction
Gas Stations
Transportation
Grocery Stores
Veterinary Clinics
Agriculture
And more...
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Restaurant Funding FAQs
1. How fast can I get restaurant funding through Zippi?
You can receive funding in as little as 24 hours after completing our simple 3-minute application and sharing your bank statements. No long waits or complicated approval processes.
2. Will applying affect my credit score?
No. Applying with Zippi involves no hard credit check, so your credit score won't be impacted.
3. How much funding can I qualify for?
Zippi offers restaurant businesses funding of up to $500,000, depending on your business details and revenue.
4. What do I need to apply for restaurant financing?
All you need is a few basic business details and your last 3–4 months of bank statements. That’s it—no paperwork overload.
5. What can I use the funding for?
You can use your funding for anything your restaurant needs, including:
- Covering cash flow gaps
- Buying new kitchen or front-of-house equipment
- Making payroll
- Opening a new location
- Renovating your space
- Stocking up on inventory
6. What makes Zippi different from a traditional bank loan?
Unlike banks, Zippi’s process is fast, flexible, and human. No rigid algorithms. No unnecessary delays. Just real people who understand the restaurant business.
7. Do you only work with restaurants?
No—we work with many small business owners, including gas stations, clinics, grocery stores, and more. But we’ve designed specific solutions for the unique challenges restaurant owners face.
Let’s Grow Your Business Together.
We provide fast, flexible funding to help you reach your next milestone. Apply today and move one step closer to your goals.
