Restaurant Business Loans
Capital for Kitchens, Build-Outs & Busy Seasons
APPLY ONLINEYour restaurant's information is kept private and reviewed directly — not distributed to multiple lenders.
Financing That Moves at Restaurant Speed
A short look at how owners use a line of credit to cover equipment failures, inventory runs, and expansion without draining the register.
How We're Different
Work With One Advisor Who Understands Food Service
Most online funding platforms push your numbers out to a dozen lenders at once, and the phone doesn't stop ringing for weeks. We take a different route: one advisor reads your statements, understands why summer looks nothing like February, and takes your file to the lender that actually fits.
We don't offer a one loan fits all solution - we identify the financing that best fits your business, cash flow and growth plans.
- You work directly with one advisor from start to finish
- Your restaurant's information is not blasted out to multiple lenders
- We evaluate your operation and match you with the best-fit lender
Our goal is not to create noise.
It's to help your restaurant secure the right financing with the right partner.
Ready to Take Your Restaurant to the Next Level?
When Opportunity Knocks, Be Ready.
- •Been turned down by a bank that treats every restaurant as high risk?
- •The hood system, the walk-in, or the range gives out and service can't wait for a loan committee.
- •Slow months eat the reserve you built during the busy season.
- •Food and paper costs jump and you need to buy inventory deeper to protect margin.
- •Payroll is tight while you're hiring and training ahead of a busy stretch.
- •The right lease came open and the build-out has to start now.
- •Growth Deserves the Right Financial Partner.
We specialize in helping restaurant owners secure a working business line of credit.
*No documentation needed at this time. This is just a quick assessment.
Size Does Matter For Growth!
Larger Loan Amounts, Longer Terms & Big Rewards
When you're comparing restaurant financing, SIZE DOES MATTER! A full kitchen equipment package, a dining room build-out, or the deposit and fees behind a second location all take real money up front — more than a merchant cash advance was ever designed to carry. We can help you get a business line of credit with terms up to 36 months to fund those projects while keeping your costs low.
Our average loan size is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Bigger amounts let you invest where it changes the P&L, and longer terms keep the payment small enough that it never fights with next week's food order.
*Please have business information and the last 3 months of bank statements handy. Application only takes ten minutes.
Industry-Leading Loan Products for Restaurants
We don't offer a one loan fits all solution - we identify the financing that best fits your business, cash flow and growth plans.
BANKROLL
Ultimate Revolving Line of Credit
Restaurants rarely spend on a predictable schedule. BANKROLL provides maximum loan approval, fixed terms up to 36 months, and fixed weekly payments, plus the flexibility to pay down or draw funds on an unlimited basis — whether you're replacing a walk-in cooler, covering a big inventory buy, or bridging a slow month.
IO-BANKROLL
Interest-Only Revolving Line of Credit
All the great benefits of Bankroll coupled with an interest-only period of up to 1 year. Owners can enjoy unlimited draws and partial principal paydowns — and only pay the interest for up to a year. A strong fit for a build-out or a franchise expansion that needs time to ramp before full payments begin.
How the Process Works
Apply in About Ten Minutes
Basic business and owner details plus your last three months of bank statements. No hard credit pull, no obligation.
One Advisor Reviews It
Jonicki Capital reads your file personally, asks about your season, your build-out plans, and what the money needs to do — then identifies the right structure.
Fund and Grow
We introduce you to the single lender that fits your operation best. Most close a loan or open a line of credit within about a week.
*Please have business information and the last 3 months of bank statements handy. Application only takes ten minutes.
Restaurant Financing Advantages
*Please have business information and the last 3 months of bank statements handy. Application only takes ten minutes.
Frequently Asked Questions
Common questions from restaurant owners about loans, lines of credit, and how funding works.
Not Sure Where to Start?
Pick the path that fits where you are right now. Both options connect you directly with Jonicki Capital.
Explore Your Options
See what financing options you may qualify for with just a few questions. No documents are needed to get started.
Ready to Apply?
Already know you're ready to move forward? Complete our secure application and provide your three most recent business bank statements so we can get to work.
*Please have business information and the last 3 months of bank statements handy. Application only takes ten minutes.