Funding built around how restaurants actually run
Seasonal swings, narrow margins, daily cash deposits — restaurants need lenders who understand the business. We match you with capital that fits your operating cycle.
Funding for restaurants & hospitality
Restaurants, bars, cafes, food trucks, hotels, and catering operations live and die on cash flow. A two-week dip in covers, an unexpected equipment failure, or a long permit delay on a build-out can put even profitable concepts in a bind. Fine Point Lending works with more than 75 funding partners — many of whom specialize in food service — to get hospitality operators capital that respects the rhythm of the business.
Whether you're opening a second location, renovating a dining room, replacing a walk-in cooler, or simply bridging a slow shoulder season, we'll match you with lenders who actually want hospitality files.
Challenges we solve for
Seasonal revenue swings
Summer patios, holiday banquets, ski-town shoulder months — your revenue is rarely flat. Most banks see volatility as risk; specialty lenders see it as normal.
Thin paper margins
Strong cash flow with modest reported profit is a hospitality fingerprint. The right lender underwrites to deposits and POS data, not just tax returns.
Equipment that breaks at the worst time
Hood systems, walk-ins, ovens, and POS hardware all fail eventually. We have lenders who can fund replacement equipment in 24–72 hours.
Build-outs and renovations
From a full kitchen rebuild to a quick refresh, we line up SBA, equipment, and bridge financing structures that match the project timeline.
Loan products best suited for this industry
Working Capital Advance
Fast funding tied to deposits — ideal for inventory pushes, payroll bridges, and surprise repairs.
Learn more about Working Capital Advance →Business Line of Credit
Revolving capital you can draw on for shoulder seasons or large catering deposits, then pay down when business is hot.
Learn more about Business Line of Credit →SBA 7(a) Loan
Long terms and low rates for acquisitions, second-location build-outs, and partner buyouts.
Learn more about SBA 7(a) Loan →Equipment Financing
Up to 100% financing on hoods, walk-ins, ovens, refrigeration, and POS hardware — typically funded in days.
Merchant Cash Advance
Funding against future card sales when speed matters more than absolute lowest cost.
Learn more about Merchant Cash Advance →Qualifications at a glance
- Time in business
- 6+ months for MCA / working capital · 2+ years for SBA
- Minimum monthly revenue
- $15,000+ in card or total deposits
- Personal credit score
- 550+ for MCA · 650+ for SBA
- Documents commonly requested
- 3–6 months of business bank statements, POS export, lease, and ID
Common use cases
Second-location build-out
Construction, equipment, opening payroll, and working capital rolled into a single SBA structure.
Walk-in or hood replacement
Equipment financing approved on the equipment quote, often funded in 1–3 business days.
Catering or banquet bridge
Cover food, labor, and rentals before the event invoices clear with a flexible line of credit.
Hotel renovation or PIP
Brand-required property improvement plans funded through SBA 504 or equipment-secured term loans.
"We renovated our entire dining room without taking on punishing daily payments. The MCA structure they sourced fit our weekly cycle."
Sofia G., Coffee Roastery (WA) — $70K MCA · funded in 4 business days