business line of credit for restaurants & hospitality
Business Line of Credit for Restaurants & Hospitality businesses. Built for restaurants & hospitality cash flow.
A revolving line of credit gives you flexible access to capital whenever you need it. Draw funds, repay, and draw again, without reapplying.
- Max funding
- $250K
- Term
- Revolving
- Time to fund
- 24 hours
- Min FICO
- 550+
The short answer
Is Line of Credit the right fit for Restaurants & Hospitality businesses?
Ongoing access to capital for seasonal fluctuations, unexpected repairs, and supplier payments.
Last updated 2026-06-24
Why this fit
Common cash-flow gaps in restaurants & hospitality. Business Line of Credit maps to the ones below.
These are the underwriting realities and operational pressures we see most often in this industry.
Seasonal Cash Flow Gaps
January doesn't pay like December. Your rent, staff, and suppliers don't take the winter off, but your revenue does. Seasonal funding bridges the gap without layoffs.
Equipment Emergencies
When the walk-in fails on a Friday, waiting 60 days for a bank loan isn't an option. ICG funds equipment replacement in 24 hours.
Expansion Timing
The perfect second location won't wait for your bank's approval committee. Bridge capital secures the lease while you finalize longer-term financing.
Representative scenario
What a typical restaurants & hospitality business line of credit looks like. Numbers below are illustrative.
Your actual offer depends on your bank statement history, time in business, credit profile, and existing debt.
Rates vary by applicant. Representative example only.
Seasonality
When in the year restaurants & hospitality businesses tend to need this capital. Time the draw, not just the deal.
Peak (Thu–Sun, holiday season)
Weekend covers and holiday catering drive 55–65% of monthly revenue for most urban restaurants. Stock inventory and staff up two to four weeks before each peak.
Off-season (Jan–Feb, Aug)
Post-holiday and late-summer slumps are the top reason for missed payroll. A revolving line of credit or revenue-based advance in December covers the 60-day trough without layoffs.
Qualification
What we look for in restaurants & hospitality files. Underwriting, in plain language.
- Minimum 2 years operating as a restaurant or food service business
- $15,000+ monthly revenue (card + cash)
- 500+ personal credit score
- Active business bank account showing consistent deposits
Other ICG products for restaurants & hospitality
Not the right fit? Here is what else works in your industry.
Revenue-Based Funding
Ideal for covering payroll and rent during slow months, repayment scales with your daily sales.
See for restaurants & hospitalityEquipment Financing
Finance walk-in coolers, ovens, POS systems, and kitchen buildouts with the equipment as collateral.
See for restaurants & hospitality
Common questions
Business Line of Credit for restaurants & hospitality. Honest answers, no fine print games.
QCan I qualify with a low credit score?
Yes. Most restaurant operators approved by ICG have personal credit scores between 500 and 650. We underwrite based on register revenue, not your credit bureau file.
QDo you fund new restaurants?
We require at least six months of operating history with verifiable POS and bank deposits. Pre-revenue or pre-opening restaurants are not eligible for most products.
QCan revenue-based repayment flex during slow months?
Revenue-based funding uses a fixed daily or weekly debit, it does not auto-flex. If your revenue drops, call us early; restructure is available in most cases rather than missed payments.
QHow is interest calculated?
Interest is charged only on the amount you draw, not your total credit line. Rates are typically 1–3% per month on the outstanding balance.
QCan I increase my credit line?
Yes. After 6 months of on-time payments, you can request a credit line increase based on updated revenue.
QIs there a draw charge?
No draw charges. You access your funds at any time through a direct transfer to your business account.
Business Line of Credit for other industries
Where else this works. One product, many verticals.
Ready when you are
Ready to fund your restaurants & hospitality business? 24 hours to fund.
Quick application. Soft credit pull only. Real human review.