🍽️ Restaurant & Food Business

Restaurant Loans That Move as Fast as Your Business

Cash flow gaps, slow seasons, kitchen equipment, expansion — whatever your restaurant needs, Caply finds the funding. Apply in minutes. Funded in as little as 24 hours.

Get Funded Now — No Credit Impact
$10k–$2M Available Funded in 24–48 Hours No Credit Impact 50+ Lenders

Why 🍽️ Restaurant & Food Business Owners Choose Caply

Traditional banks weren't built for your business. We were.

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Kitchen equipment replacement or upgrade — ovens, fryers, walk-ins

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Inventory purchases before a busy season

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Payroll coverage during slow months

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Remodels, expansions, or second locations

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Catering equipment and event buildouts

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POS system upgrades and tech investments

Funding Products Available to You

One application. Multiple competing offers. You choose what fits.

Working Capital Loan

$10k–$500k | 24 hrs

Cover payroll, inventory, and operating costs without dipping into reserves.

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Equipment Financing

$25k–$2M | 2–5 days

Finance kitchen equipment, refrigeration, POS systems, and more.

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Business Line of Credit

$10k–$250k | Revolving

Access cash when you need it. Only pay for what you use.

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Merchant Cash Advance

$5k–$500k | Same day

Repay as a percentage of daily card revenue — perfect for high-volume restaurants.

See My Options — No Credit Impact

What Our Clients Say

★★★★★

"We needed to replace our walk-in refrigeration unit mid-peak season. Our bank said 6 weeks. Caply had us funded in 3 days. Lifesaver."

— Tony R., Restaurant Owner, Los Angeles
★★★★★

"Slow January almost broke us. Caply got us $75k in working capital to cover payroll and prep for Valentine's rush. Saved our season."

— Maria S., Bistro Owner, San Diego

Caply vs. The Bank

The Old Way (Bank)
The Caply Way
60–90 day approval timeline
✅ Decisions in 24–48 hours
Perfect credit required
✅ Programs starting at 550 FICO
One product, take it or leave it
✅ Multiple competing offers
Rigid repayment schedules
✅ Flexible terms around your revenue cycles

Your Restaurant Deserves Better Funding.

One application. No credit impact. Funded in as little as 24 hours.