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PIRS Capital

Restaurants

Working capital for
restaurants.

Cover payroll between busy weeks, renovate the dining room before peak season, or open a second location without slowing service. Working capital up to $5M, structured around your weekly deposit rhythm.

Apply for Working CapitalSee if you qualify
  • Up to $5M
  • No hard credit check
  • Same-day decisions
  • All 50 states

Funding restaurants

How PIRS funds restaurants.

Restaurants run on thin margins and inconsistent cash flow. Credit-card batch deposits arrive on a delay, payroll is weekly, vendors expect to be paid on terms, and one broken walk-in cooler can wipe a month of margin.

PIRS underwrites the full year of your trailing revenue rather than the slowest month on the bank statement. Repayment flexes with your deposit cadence: slow weeks cost less, busy weeks pay down faster.

Stock the season, cover the trough, fund the next room. We fund the working-capital gap in between.

Common use cases

What restaurants operators actually use working capital for.

Drawn from real PIRS-funded files across the category.

Pre-season inventory builds

Stock food, beverage, and supplies ahead of high-volume seasons without straining cash before the revenue arrives.

Payroll between busy weekends

Cover labor and vendor invoices through mid-week troughs while credit-card deposits clear.

Dining room remodels & kitchen build-outs

Refresh the front of house, replace aging equipment, and upgrade your POS without a multi-month bank process.

Second locations & partner buyouts

Fund a build-out for a new concept or finance the buyout of a co-owner without slowing day-to-day operations.

Marketing & delivery-platform spend

Push paid acquisition, seasonal campaigns, and third-party-delivery promotions when timing matters.

Equipment failures & emergency repairs

Same-day decisions mean a failed walk-in or fryer doesn't have to close service.

Why PIRS

Why restaurants operators choose PIRS.

Underwriting tuned to how your category actually earns, not a generic credit box.

Tuned to seasonality

We underwrite trailing revenue across the full year, so a slow February doesn't disqualify a strong operator.

Subordination flexibility

Existing equipment financing or a prior advance isn't an automatic decline. We structure around your stack.

Renewal-friendly

Most restaurants come back for repeat capital. Renewals are structured around your trailing performance, not a hard reset.

No financials needed

Most files approve on bank statements alone. No tax returns, no P&Ls, no document marathon.

A note on eligibility

A few sub-segments aren't eligible.

We say no up front. It saves everyone time.

  • Casino and gambling-format restaurants are not eligible.

Questions we hear most

Restaurants: what operators ask first.

Can a restaurant qualify with seasonal revenue?
Yes. Most restaurants run seasonally and our underwriting accounts for that. We look at trailing revenue across the full year rather than a single slow month, and structure repayment around your actual deposit cadence.
How fast can a restaurant get funded?
For qualified files with complete documentation, restaurants typically receive a same-day soft offer and can be funded within 24 hours. Larger structures or multi-location files may take longer.
Do you fund both full-service and quick-service restaurants?
Yes. PIRS Capital funds independent full-service restaurants, QSR operators, multi-unit franchisees, and food halls. Casino- and gambling-adjacent operators are not eligible.
What documents does a restaurant need to apply?
A short application plus the most recent four months of business bank statements is usually enough to return a same-day decision. Larger amounts may require additional verification.
I already have an advance in place. Can I still get funded?
Often, yes. We can write 2nd- or 3rd-position structures and offer consolidation when it makes sense for the operator. Bring your current paperwork to the call.
Are there restrictions on how I use the funds?
Funds must be used for legitimate business purposes: payroll, inventory, equipment, marketing, expansion, renovations. We don't fund personal use, cryptocurrency, or speculative investments.

Adjacent verticals

Other industries we fund.

Many operators run businesses that straddle categories. Here are a few we underwrite alongside this one.

Hospitality

Renovations, off-season operations, and growth capital.

Franchises

Build-out, royalty bridge, and multi-unit expansion funding.

Retail

Inventory, expansion, and working capital for storefront retail.

  • BBB A+ Accredited
  • Trustpilot

Working capital built for restaurants.

Apply in minutes for a soft offer with no hard credit check. A real person works your restaurants file from start to finish.

Apply for Working CapitalSee all industries
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