If you own or operate a restaurant or other food service establishment, you know just how much focus and determination it takes to maintain profitability in this competitive field. Many restaurateurs transition their personal culinary passions into a restaurant in order to provide innovative food items, revolutionary dining concepts, and unique flavor combinations to the masses. While there is a significant amount of artistry involved in running a restaurant, the business end of operating a dining establishment is far less glamorous. Savvy restaurant owners know that a key partnership that must be established early on is a connection with a reliable and responsive lender of small business capital.

At Upstream, our financing process is quick and simple, with approval in just 24 hours and funding in as few as three days. Our goal is to support all business owners in the restaurant industry and to provide them with a variety of financing options to meet their unique needs.

Upstream works with a variety of businesses in the restaurant industry including:

  • Bar
  • Bakery
  • Casual Dining
  • Delivery and Take Out
  • Coffee Shops
  • Fast Food
  • Fine Dining 
  • Food Truck
  • Catering
  • At Upstream, we offer a variety of restaurant business loans that can help your business to grow and thrive, regardless of the type of restaurant that you operate. Applying takes only minutes, and we work hard to provide a flexible small business loan can help you accomplish all of your unique goals.

    Restaurant owners often require working capital to order cooking equipment, supplies, food, or to hire new staff and entertainment. More often than not, some circumstances require immediate receipt of funds, which can be difficult to attain through traditional means of financing. 

    Why Finance With Upstream?

    Working with us allows you to access small business capital in no time at all, and our overall lending model is designed to accommodate as many applicants as possible. Here are some of the specific benefits of working with us for your next restaurant business loan:

    Quick and easy application process: Instead of spending countless hours gathering documents, filling out endless forms, and adding more stress to your life, we streamline all of the application steps to make applying for small business loan a simple and straightforward process. In fact, you can complete a basic online application in a matter of minutes.

    High approval rates: There is nothing more frustrating than spending hours on the application process only to receive a notice of denial. The majority of applicants who choose a traditional lender like a bank or credit union, face this unfortunate situation all too often. The reason why? These institutional lenders generally only accept those applicants who have stellar credit, significant collateral, and many years in business but we operate under a different model. At Upstream, our goal is to provide high-quality small business loan opportunities for business owners in a responsible manner. We underwrite our own loans and can therefore deliver much higher approval rates than any bank or credit union.

    Flexible options: As no two restaurants are identical, it is crucial that restaurant owners have access to a variety of lending options with flexible and customized repayment terms. Instead of operating under a highly regimented and quite inflexible lending model, we have created a variety of loan options featuring unique terms and competitive rates. Our loan professionals will work with you to custom tailor a small business loan that will help your restaurant to compete as effectively as possible within your area.

    Ways a Small Business Loan Can Help Your Restaurant

    Many of our clients have found that an influx of affordable capital makes all the difference in effectively running their dining establishments. Apply today and use your small business loan to hire additional staff during busy times, or train existing restaurant staff to operate more effectively.

    Apply some of your money towards upgrading your existing point-of-sale systems, kitchen equipment, dining room furniture, or other capital-intensive expenditures.

    Renovate or rehab your existing location to improve curb appeal the overall client experience. Stock up on inventory for  those busy times of year like the holidays  and other high traffic opportunities. Nobody knows your business as well as you do and time is the most precious commodity when you are a small business owner. So contact us today and see just how quick and easy it is to obtain a small business loan that will give your restaurant the edge it needs.

    Get started now and get approved today!

    Upstream is here to help you find the exact financing solution to fit your needs. Our dedicated Business Advisors are with you at every step, making the process fast and easy. Here are just a few benefits of working with us:

    Flexible Repayments

    Repayments are based on a percentage of daily credit card sales, so we only make money when you make money

    Fast Approval

    Apply online or over the phone in minutes, get approved in a few hours and access funds in as fast as one day!

    Financing Now

    Get up to 250% of your monthly credit card sales volume in one lump sum to take care of the things you need for your business.

    Apply Now!

    Need Funding for your Restaurant Business?

    Get flexible, fast funding solutions to meet your needs, including:

    Purchase Equipment
    Hire Skilled Professionals
    Inventory Purchase

    Get funded in 3 Easy Steps

    In just three easy steps, you can access the right financing solution for your business. Our application and approval process will allow you enough time, effort and energy to focus on what matters to you the most- your business!


    Complete the form

    Click here to request a free quote, and an Account Executive will contact you shortly after to discuss your options.


    Get approved in 24 hours

    Our streamlined application process allows us to provide you with a decision within 24 hours


    Receive funds in 3 days!

    Once approved, it’s an easy transition. You can expect the funds to be deposited into your account in just 3 days!


    Avoid the brokers and “middlemen” fees:

    You won’t have to worry about extra expenses. You can put your resources towards the most important initiatives for your business.

    Avoid having your credit run multiple times:

    No matter what your credit score, we offer cash advances with just a single credit run.

    Build a real relationship:

    Work directly with a dedicated Funding Manager that will help you design a creative and customized plan based on your business needs.

    Almost all business types and industries are accepted:

    There is virtually no limit to the type of business we work with.

    No collateral or personal guarantee required:

    You can get the funding you need without the worry of placing your personal property or assets at risk.

    Near instant approval:

    With minimal documentation necessary, you receive your funding much faster than a bank loan so you can get back to building your business.

    What do you need to Qualify

    3+ months in business

    $10,000/ Month Gross Sales

    Completed Application

    Apply Now!

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