Compare startup capital for restaurants and food service from 50 lenders in one application. The lenders that fund restaurants bid for your deal — real offers in about 24 hours, no effect on your credit.
New restaurants rarely have the revenue history a bank wants to see. Startup capital underwrites the founder, the plan, and the trajectory instead — so you can fund inventory, payroll, renovations, and a second location without giving up equity. One application reaches the lenders that fund early-stage businesses.
Instead of applying to one lender and hoping, you apply once and the lenders that actually fund restaurants compete for your business. You compare real offers side by side and take the best terms — with no effect on your credit to look.
Reach the lenders most likely to fund a business like yours in a single form.
Comparing offers is a soft pull; a hard inquiry only happens if you accept.
Fund inventory, payroll, renovations, and a second location with offers in about 24 hours.
Six questions. No documents required to start. No effect on your credit score.
Review the 8–12 lenders matched to your profile and choose who to apply to. Your file goes only to the lenders you select.
We negotiate the best terms with each lender you selected and send you their real offers — side by side on APR, term, and payment.
One signature. Funds wire direct from the lender. Median: under 2 days end-to-end.
Yes — restaurants are a core fit. EQ Funding routes your file to the lenders in our network that specifically fund businesses like yours, so you see offers from the lenders most likely to approve you rather than a single bank's yes-or-no. The application takes about two minutes and there is no effect on your credit to see what you qualify for.
Most commonly inventory, payroll, renovations, and a second location. There are typically no restrictions on use beyond the product itself — you take the capital and put it to work. If your need is more specific, the application lets you say so, and we route you to the lenders that fund that use.
First offers typically arrive within about 24 hours of applying, and funding can follow in as little as 48 hours once you accept. Asset-based and revenue-based products tend to move fastest; SBA-backed options take longer but carry the lowest rates and longest terms.
Comparing offers is a soft pull with no effect on your credit score — a hard inquiry only happens once you accept a specific lender. And it costs you nothing: EQ Funding is paid by the lender when your deal closes, never by you.
Yes. Several lenders in our network underwrite startup capital based on founder credit (700+), business plan, and projections. Pre-revenue founders typically qualify for $25K–$150K of startup financing.
Seed funding traditionally means equity from investors (you give up ownership). Startup capital from EQ Funding is debt-based — you keep 100% equity and pay back over time. No board seats, no dilution.
Most startup capital programs require 680+ personal FICO since they underwrite on personal credit rather than business history. Below 680 you can still qualify via revenue-based or equipment financing once you have 3–6 months of revenue.
$10K–$250K is typical for pre-revenue startups. Established but young companies (6–18 months) can qualify for $250K–$750K. Startup capital scales with revenue trajectory and founder profile.
24–72 hours for SBA microloans and personal-guarantee facilities. Equity-style seed funding takes weeks. Our network specializes in fast-funding debt products that preserve your ownership.
Six questions. Two minutes. No effect on your credit score. Real offers from 50 lenders within 24 hours.