The questions operators ask before they call.

We are a food service consultancy. We are not a lender, a bank, or a funding source. You start with a free, no obligation conversation with a specialist. They review your situation, connect you with the funding sources that fit, and present the options that make sense for the use of funds you described.

No. The first step is a conversation and review. A credit application only happens later, if you choose to move forward with a specific program. The lender will tell you exactly what it requires before anything is pulled.

The review does not require a hard credit pull. Nothing is pulled until you pick a program and authorize that specific lender in writing.

Nothing. If and when you get an offer, the numbers are yours. The funding partner pays us separately for a referral after you receive your funds.

No. There are no contracts, retainers, or exclusivity agreements to start. If none of the options work, you keep the information and walk.

Business name, type, time in business, rough monthly sales, the amount you have in mind, and what the money is for. That is enough for a specialist to know which programs are realistic.

Program requirements vary. Some options are available within the first year of operation, while SBA and conventional term debt generally expect a longer operating history. Tell us your time in business and we will only present what you actually qualify for.

Yes. Several programs weigh deposit history and consistency of sales more heavily than personal credit score. Credit affects pricing and which lenders participate, not whether a conversation is worth having.

No. Seasonality is normal in food service and lenders in this space underwrite for it. A slow stretch is easier to explain up front than to discover mid review.

Often yes. Existing positions affect what is available and at what cost. Tell the specialist what you already carry so the options you see are ones a lender will actually approve.

Both. Single location restaurants, bars, trucks, caterers, bakeries, ghost kitchens, and distributors all get reviewed the same way as multi unit groups.

Yes. We work with operators in all 50 states, including single unit independents in small markets.

Short term working capital and equipment programs commonly fund in 1 to 5 business days once documents are in. SBA and larger term facilities run weeks, not days, because of the underwriting involved.

Pricing depends on the program, the term, and your business profile, so we do not publish a single rate. Every option we present includes the total dollar cost, the payment, and the term in writing before you commit.

Requests generally range from about 10,000 for a single piece of equipment to several million for acquisitions and full buildouts. The realistic number depends on sales volume, time in business, and the program.

Depending on the program, payments are daily, weekly, or monthly, usually by ACH. Specialists will show you the payment against your actual sales so you can see whether it clears a normal week and a slow one.

It varies by lender and program. Ask before you sign and the specialist will point out any early payoff discount or penalty on each offer side by side.

Working capital is flexible. Equipment financing and SBA proceeds are tied to specific uses, so tell us what the money is for and you will only see programs that permit it.

A specialist reads your request the same business day, then calls or emails to review your situation and answer questions. They come back with the programs you qualify for and written terms. You choose what works, or you walk away with no obligation.

For the first review, we only need what you share in the form. If you choose a short term program, the lender usually asks for 3 to 6 months of business bank statements. SBA and larger term facilities add tax returns, interim financials, and a debt schedule. We only ask for documents once we know which program fits.

No. Your details stay with the specialist reviewing your file. Nothing goes to a lender until you say which program you want to pursue.

One reply to review your request, then updates tied to your file. If you say you are done, that is the end of it.

Call instead of waiting on email. Say what failed, what the replacement costs, and when the health inspection or service window is, and the specialist will start with programs that fund in days.

That is a good time to talk. You get the numbers and the requirements in advance, so when you are ready the review is already half done.