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.
Industries · Restaurants & Hospitality
Restaurant Business Loans. Capital that moves as fast as your kitchen.
Capital for restaurants: equipment replacement, seasonal cash flow, expansion funding. Revenue-based funding in 24 hours.
At a glance
What business funding is available for restaurants and hospitality?
Capital for restaurants: equipment replacement, seasonal cash flow, expansion funding. Revenue-based funding in 24 hours.
- Funding speed
- 24 Hours
- Min FICO
- 500+
- Min revenue
- $15K/mo
Last updated 2026-06-24
Why we fund restaurants & hospitality
We underwrite the rhythm, not the label.
The numbers below are the playbook ICG runs against restaurants & hospitality every week. Cash flow patterns, repayment tolerance, and seasonality are read from your bank activity, not assumed from your category code.
24 hr
Typical funding speed
500+
FICO floor
$15K+
Monthly revenue minimum
No docs
Required to start an application
Every approval comes from a person, not a policy engine. An underwriter who has read hundreds of restaurants & hospitality bank files looks at yours and answers the same business day.
Common funding uses
What capital is actually for in restaurants & hospitality.
The scenarios below are the recurring reasons ICG funds this vertical. If your situation looks like one of these, the underwriting playbook is already written.
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.
Products mapped to this industry
- Revenue Funding
Ideal for covering payroll and rent during slow months, repayment scales with your daily sales.
- Equipment
Finance walk-in coolers, ovens, POS systems, and kitchen buildouts with the equipment as collateral.
- Line of Credit
Ongoing access to capital for seasonal fluctuations, unexpected repairs, and supplier payments.
Eligibility for restaurants & hospitality
The bar is short. And it is the whole bar.
No upsells, no surprise documents. Meet the criteria below and the application is built for you.
- 01
Minimum 2 years operating as a restaurant or food service business
- 02
$15,000+ monthly revenue (card + cash)
- 03
500+ personal credit score
- 04
Active business bank account showing consistent deposits
Seasonality
What normal looks like across the year.
ICG underwriting is calibrated to these rhythms. Slow months are not red flags. They are part of the model.
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.
Get funded in your city
Restaurants & Hospitality funding near you.
- Brooklyn →
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Questions, answered
Real questions from restaurants & hospitality operators answered straight.
Can 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.
Do 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.
Can 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.
Ready when you are
Get restaurants & hospitality funding in 24 hours.
Soft credit pull. Same business day answer. One dedicated ICG team from application to wire.