Revenue-based underwriting built for Georgia restaurant operators. Equipment, lease deposits, seasonal payroll bridge, expansion capital. Decisions in days — not weeks.
These are illustrative examples based on realistic SMB funding patterns — not guarantees. Your actual range depends on your revenue, tenure, and credit profile.
Replaced walk-in cooler and commercial hood after health inspection. Revenue-based approval on $45K/mo gross sales.
Secured a second location. Covered 3-month deposit and initial renovation costs. No real estate pledge required.
Covered staffing costs during a slow January while waiting for spring traffic to ramp. Repaid from Q2 revenue.
Business name, email, funding need, monthly revenue. Soft pull only — no credit impact.
A real human advisor reviews your application within 24 hours and reaches out with questions or options.
Clear terms, no surprises. Review and accept the offer that works for your business.
Typically 1–3 business days after acceptance. No origination fees to pay upfront.
| Feature | Four Point Group | Lendio / Bluevine | Bank / SBA |
|---|---|---|---|
| Personal collateral required | ✗ Never | Sometimes | Usually required |
| Decision timeline | 1–3 days | 3–10 days | 30–90 days |
| Revenue-based underwriting | ✓ Primary method | Partial | Credit-first |
| Hard credit pull on apply | ✗ Soft pull only | Hard pull | Hard pull |
| Min. funding amount | $10,000 | $5,000–$25,000 | $50,000+ |
| Industry expertise | Restaurants specialists | Generalist marketplace | Generic products |
Soft credit pull only. A funding advisor reviews your file within 24 hours.
Yes. We fund restaurants across the United States including Georgia. The application process and terms are the same nationwide — revenue-based underwriting, no personal collateral, decisions in days.
No. We look at trailing 3–6 months of bank statements, not a single month. If your revenue cycles seasonally but averages $20K+/month, we have products designed for that pattern.
Yes. Equipment purchases — fryers, walk-ins, POS systems, refrigeration — are one of the most common uses. Approval is based on your revenue history, not an equipment lien.
Not automatically. Credit is one signal, not the whole picture. If your restaurant generates consistent revenue, we evaluate cash flow first.
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