Fast, Unsecured Working Capital for North Carolina Restaurants
Restaurants run on cash flow. Payroll has to clear on Friday. Produce arrives Tuesday. The walk-in compressor picks the worst possible moment to die. Our Express Business Funding is built for these moments — fast, unsecured, and structured around how restaurants actually run.
Loan sizes range from $5,000 to $250,000. Terms go up to 18 months, fixed. Funding typically hits your account in 1 to 3 business days from approval. No personal collateral. No out-of-pocket fees. It sits alongside the equipment and SBA options in our restaurant financing for North Carolina operators, so you can mix the right products for your situation.
What You Can Use It For
Working capital isn’t restricted by use. You can put it toward whatever moves the business forward.
- Payroll — covering a tight week or a seasonal hiring ramp
- Inventory — stocking up before a busy weekend or for a private event
- Emergency repairs — when the walk-in, the fryer, or the HVAC fails
- Renovation and marketing — patio refresh, new menu print, a digital campaign
- Seasonal bridging — coastal NC restaurants surviving the off-season
- Vendor deposits or franchise fees — anything where a few days of cash matters
Bank-Statement Underwriting
We don’t ask for tax returns. We don’t take collateral. Three months of business bank statements is the entire underwriting package. We look at your average daily balance, deposit frequency, and revenue pattern — and we size the offer against that.
That’s it. No multi-week document chase, no waiting on a CPA, no surprise requests on day 14.
Qualification Requirements
Most NC restaurants qualify with:
- 1 year in business (some lender paths exist for less)
- $150,000 minimum annual revenue
- 600 minimum credit score (lower-credit paths exist with stricter terms)
- Active business bank account with at least 3 months of statements
If you don’t tick every box, call us. There’s almost always a structured path.
Working Capital vs. an SBA Loan
Working capital is for speed. If you need money this week, that’s the right product. If you’re acquiring a restaurant, funding a $400K build-out, or buying real estate, an SBA 7(a) or 504 loan is the lower-rate, longer-term answer — even if it takes 30 to 60 days to close.
We’ll tell you which fits before you commit.