$500K Restaurant Funding for Operators Who Are Already Winning
If your restaurant is doing $75K+ in monthly revenue and you need capital to scale — a second location, a major renovation, or a strategic inventory buy — Four Point Group has funding options for established operators like you.
We look at your revenue history, not your credit score. No personal assets required. No 60-day bank timeline.
Who Qualifies for $500K Restaurant Funding?
$500K restaurant funding is designed for operators with:
- **$75K+ average monthly revenue** (verified via bank statements)
- **18+ months in business** with strong deposit consistency
- **Low NSF rate** in the business checking account
Your credit score and personal assets are not the primary criteria. Revenue-based underwriting means the loan is underwritten against your demonstrated ability to generate cash flow.
What Does $500K Get You in Restaurant Capital?
- **Multi-location expansion** — lease deposits, build-outs, working capital for a second or third site
- **Major renovation or build-out** — full dining room refresh, outdoor space, kitchen overhaul
- **Large inventory purchase** — position for a major seasonal event or negotiate supplier pricing with cash up front
- **Equipment upgrade** — commercial kitchen overhaul, HVAC, refrigeration systems
- **Acquisition financing** — buy out a partner or acquire a neighboring space
Why Restaurants Choose Four Point Group Over a Bank for $500K
Banks want 2 years of tax returns, audited financials, and personal guarantees. We want 3–6 months of bank statements and a revenue pattern that shows you can service the debt.
**Soft pull only on application. No hard credit pull until you review an offer.** You can apply and explore options without committing to anything.
**Apply for $500K restaurant funding** — takes 5 minutes, advisor review within 24 hours.