Restaurant funding for restaurants that are already open
Zippi funds restaurants, bars, cafés and small restaurant groups directly.
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
You get the funding up front. Repayment is a fixed daily or weekly amount, or a share of your daily or weekly sales, taken automatically from your business bank account. In Nevada, Texas, Utah, South Dakota and Delaware, Zippi offers a business loan.
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?
Zippi funds restaurants open at least 12 months. More than one location? One application per business entity. 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. Our process keeps up: no drawn-out forms, no hard credit check, and funding in hours.
Apply in minutes*
Common Uses for Restaurant Capital
Food and labor each take about 33 cents of every sales dollar, and rent, utilities, supplies and repairs take about 29 more. One slow month or one broken walk-in can wipe out a quarter's margin. (National Restaurant Association)
Cover the slow season before sales pick back up.
Replace or upgrade kitchen equipment when it fails.
Make payroll when you staff up for a busy season.
Open a second location or add seating.
Stock up on food and supplies ahead of demand.
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 bring in at least $20,000 in gross sales every month, including slow months.
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 restaurant needs to have been open at least 12 months. We can't fund restaurants in their first year yet.
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 is funding?
You can get funded in hours after you complete our 3-minute application and share your bank statements.
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.
