Attention: Restaurant & Bar Owners Doing $15K+/Mo

Your Restaurant's Future Revenue Is Already Earned. Access Up To $500K Of It By Tomorrow.

  • ✓
    $5K to $500K deposited into your account within 24 hours
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    Built for restaurants, cafes, bars, and food businesses
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    600+ credit score · No banks · No broker fees
SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

★★★★★
❝

Easiest funding process I have ever been through.

M
Marcus T.
Jan, 2025
★★★★★
❝

Got approved the same day. Could not believe it.

S
Sandra K.
Nov, 2024
★★★★★
❝

Team was transparent and responsive throughout.

J
James R.
May, 2024
★★★★★
❝

Funds were in my account the next morning.

L
Lisa W.
Dec, 2024

Need Working Capital Now?
Get Up To $500K In Your Account Within 24 Hours.

Your restaurant brings in revenue every day, but the bills, the payroll, and the supplier invoices rarely wait for the right moment. Trulo Capital puts that future income in your hands today and recovers it gradually through your ongoing sales. No spotless credit history. No lengthy paperwork. No waiting on a bank committee. Just practical, flexible capital for food businesses that need to keep moving.

Three Minutes To Apply. Funded The Next Day.

While banks bury restaurant owners in paperwork and committee reviews, Trulo Capital keeps it straightforward. Complete a short application focused specifically on your business, get a same-day response from our team, and have funds in your account within 24 hours of approval.

Payments That Follow Your Revenue, Not A Calendar

Restaurant revenue fluctuates and your repayments should reflect that. Trulo Capital structures your payback around actual daily sales volume. When business is strong, more gets cleared. When traffic slows down, so do your payments. No fixed due dates working against you on a slow Tuesday.

We Lend Directly. No Middlemen, No Inflated Costs.

As a direct lender, Trulo Capital eliminates the broker layer that typically adds up to 20% to your cost of capital. You deal with our team from start to finish, keeping more money where it belongs. Your personal credit file stays untouched throughout the process.

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Why Restaurant Owners Trust Trulo Capital

1
Restaurant owner

Fast Decisions When Your Kitchen Can't Wait

Equipment breaks down on a Friday night. A supplier deal expires in 48 hours. Traditional banks take weeks. Trulo Capital delivers a same-day decision so your restaurant keeps running without missing a beat.

2
Restaurant owner

We Understand How Restaurant Cash Flow Actually Works

Restaurants live in daily swings: packed weekends, slow Tuesdays, holiday rushes, and summer slumps. We factor in the real rhythm of your business, not just a snapshot credit score.

3
Restaurant owner

Repayments That Follow Your Daily Sales

Quiet week? Your payments drop. Strong weekend? More gets cleared. No rigid due dates working against you when covers are down. Your repayment moves with your revenue, not against it.

4
Restaurant owner

Clear Terms Before You Sign Anything

We show you the full picture upfront: your total payback amount, your repayment structure, all of it before you commit. Had a great month? You can settle early with no extra charges.

5
Restaurant owner

Capital Sized For What Your Restaurant Actually Needs

Whether you are buying a new commercial oven, expanding your dining room, or stocking up before a busy season, Trulo Capital scales from $15K to $500K to fit the opportunity in front of you.

6
Restaurant owner

A Short Application. A Same-Day Decision.

No stacks of financial statements, no in-person meetings, no waiting on a bank committee. Our application takes about 3 minutes and covers only what we actually need to get you funded.

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Do I Qualify For Funding?

At Trulo Capital, we keep the requirements simple. If your restaurant checks these four boxes, we can get you funded.

$15K+

Monthly revenue processed through your restaurant

1+ Year

Your restaurant has been open and operating for at least 12 months

600+

Minimum credit score required to get started

US Bank

An active US business checking account in your restaurant's name

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

How It Works

1

Submit Your Application

Fill out our short form built specifically for restaurants, bars, and cafes. It takes about 3 minutes and we only ask for what we actually need. No lengthy paperwork, no in-person meetings required.

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2

Get Your Decision In Hours

Our specialist team reviews your file and delivers a clear funding decision the same day. You get full transparency on terms before you commit to anything. No surprises, no fine print.

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3

Get Funded and Keep Your Restaurant Running

Funds land in your business account within 24 hours of approval. Use it to replace broken equipment, cover payroll, stock up on inventory, or take your restaurant to the next level.

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Get Up To $500K For Your Restaurant By Tomorrow

No perfect credit score required. No mountains of financial paperwork. Just a short application and a same-day decision.

Decision in hours, funds in 24

While banks take weeks, we move at the speed your restaurant actually needs to stay ahead.

Payments that follow your covers

Slow week? Your payments drop. Busy season? More gets cleared. No rigid due dates on a quiet Tuesday.

We fund based on your revenue

Not your personal credit history. Bad credit does not mean no funding for your restaurant.

$15K to $500K available

Whether it is a single equipment replacement or a full dining room expansion, we scale to fit.

No broker fees, ever

As a direct lender, we cut out the middlemen so more of your funding stays in your business.

Built for restaurant owners

We understand daily revenue swings, food cost pressures, and how restaurant cash flow actually works.

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

★★★★★

What Restaurant Owners Are Saying About Trulo Capital

★★★★★
"
Our walk-in cooler broke down on a Thursday. Trulo Capital had the funds in our account by Friday morning. We did not miss a single service.
LS
Linda S. Restaurant Owner, Phoenix, AZ
★★★★★
"
My bank turned me down because of my credit score. Trulo looked at my actual sales and approved me the same day. The whole process was faster than filling out a bank application.
KO
Kevin O. Bar Owner, Portland, OR
★★★★★
"
January is always brutal for us. Having repayments slow down with our sales kept the restaurant afloat without any extra stress. I will definitely use Trulo again.
AT
Angela T. Cafe Owner, Nashville, TN
★★★★★
"
No hidden fees, no surprises. We used the funding to open a second location and it paid off within the first quarter. The team was transparent from day one.
BH
Brian H. Restaurant Owner, Miami, FL
★★★★★
"
Three minutes to apply and funded by the next afternoon. I have worked with lenders before and none of them came close to this kind of turnaround.
DR
Diana R. Bistro Owner, Denver, CO
★★★★★
"
A supplier offered us a bulk deal on dry goods and we needed capital fast. Trulo came through in time and we saved more on food cost than the total cost of the advance.
PM
Paul M. Restaurant Owner, Chicago, IL
★★★★★
"
Our walk-in cooler broke down on a Thursday. Trulo Capital had the funds in our account by Friday morning. We did not miss a single service.
LS
Linda S. Restaurant Owner, Phoenix, AZ
★★★★★
"
My bank turned me down because of my credit score. Trulo looked at my actual sales and approved me the same day. The whole process was faster than filling out a bank application.
KO
Kevin O. Bar Owner, Portland, OR
★★★★★
"
January is always brutal for us. Having repayments slow down with our sales kept the restaurant afloat without any extra stress. I will definitely use Trulo again.
AT
Angela T. Cafe Owner, Nashville, TN
★★★★★
"
No hidden fees, no surprises. We used the funding to open a second location and it paid off within the first quarter. The team was transparent from day one.
BH
Brian H. Restaurant Owner, Miami, FL
★★★★★
"
Three minutes to apply and funded by the next afternoon. I have worked with lenders before and none of them came close to this kind of turnaround.
DR
Diana R. Bistro Owner, Denver, CO
★★★★★
"
A supplier offered us a bulk deal on dry goods and we needed capital fast. Trulo came through in time and we saved more on food cost than the total cost of the advance.
PM
Paul M. Restaurant Owner, Chicago, IL

How Trulo Capital Compares To A Traditional Bank Loan

Trulo Capital
Traditional Bank Loans
Approval Speed
✅Same-Day Approval

Decision within hours, funds in your account by tomorrow

❌30 to 60 Day Process

Weeks of waiting while your kitchen and staff need capital right now

Credit Score
✅600+ Credit Score

We fund based on your restaurant revenue, not just your FICO

❌720+ Credit Score Required

Most restaurant owners get rejected before the process even starts

Repayment
✅Payments That Follow Your Daily Sales

Slow week? Pay less. Busy weekend? More gets cleared automatically

❌Fixed Monthly Payments

Same amount due whether your dining room was full or empty

Collateral
✅No Personal Collateral

Your home and personal assets stay completely protected

❌Personal Guarantee Required

Your house or personal assets are often put at risk to secure a loan

Pricing
✅Simple, Transparent Pricing

One clear factor rate. Know your total cost before you sign anything

❌APR, Compound Interest, Hidden Fees

Hard to calculate the true cost until you are already locked in

Broker Fees
✅No Broker Fees, Direct Lender

More of your funding stays where it belongs, in your restaurant

❌Up to 20% Added by Brokers

Middlemen inflate your cost before you even see the offer

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Who Is Trulo Capital For?

Ready to Grow

The Growth-Ambitious Restaurant Owner

You are ready to open a second location, upgrade your kitchen equipment, or expand your dining room to handle more covers. You need substantial capital that moves at the speed of your ambition, not the speed of a bank committee.

Restaurant owner
Need It Now

The Emergency-Driven Restaurant Owner

Critical equipment broke down during rush hour, a supplier needs payment upfront, or an unexpected expense hit your worst week of the month. You need funding today, not in six weeks. Fast capital keeps your doors open and your customers served.

Restaurant owner
Planning Ahead

The Cash-Flow-Anxious Restaurant Owner

You are tired of stressing over payroll, supplier invoices, and the gap between your busy weekends and your slow weekdays. You want financial breathing room and predictable access to working capital so you can run your restaurant without the constant pressure.

Restaurant owner
SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Frequently Asked Questions

How much funding can my restaurant qualify for?

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Trulo Capital provides funding from $15,000 to $500,000, based on your restaurant's monthly revenue and cash flow history. We size the advance to what your business can comfortably repay, so you get capital that works for your operation without putting unnecessary strain on your cash flow.

What does funding from Trulo Capital cost?

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We use a simple factor rate instead of APR or compound interest. You know the exact total repayment amount upfront before you sign anything. There are no hidden fees, no broker markups, and no surprises buried in the fine print.

Do I need collateral or a personal guarantee?

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No. Trulo Capital does not require you to put up personal assets or sign a personal guarantee. Your home, car, and savings stay completely protected. We fund based on your restaurant's revenue performance, not your personal balance sheet.

What can I use the funding for?

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There are no restrictions on use. Restaurant owners use our funding to replace or repair kitchen equipment, cover payroll during slow seasons, purchase food and beverage inventory, renovate or expand their dining room, take advantage of bulk supplier deals, or simply keep cash flow stable between busy periods.

How quickly can I receive the funds?

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Most applicants receive a decision within hours of submitting their application. Once approved, funds are deposited directly into your business checking account within 24 hours. If equipment breaks down or an urgent expense comes up, we can move fast enough to keep your restaurant running.

How does repayment work?

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Repayments are tied to your daily or weekly sales volume. When your restaurant is busy, more gets repaid. When business is slow, your repayment drops automatically. There are no fixed due dates and no rigid monthly bills that put pressure on you during a quiet week.

Are there any penalties for paying back early?

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No. You are free to repay early with no additional charges or penalties. Many of our restaurant clients choose to pay back early after a strong weekend run or a busy holiday season.

Will applying affect my credit score?

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No. Our initial application only requires a soft credit check, which has no impact on your personal or business credit score. You can apply and get a decision without any risk to your credit.

How long does the application take?

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The application takes about 3 minutes to complete. We ask only for the essentials about your restaurant and recent bank statements. No lengthy paperwork, no in-person meetings, and no back-and-forth with a bank committee.

Ready To Get Funded? See If You Qualify Now

Access $15K to $500K in as little as 24 hours
Apply in 3 minutes to see if you qualify
No impact on your credit score
Built specifically for restaurants, bars, and cafes
SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Copyright © 2021 Trulo Capital