Restaurants
Funding that keeps your kitchen running.
Fast funding for restaurants businesses in Florida. Apply in 60 seconds.
Why Restaurants Businesses Need Funding
The real challenges restaurants owners face
Commercial Equipment Costs
A commercial kitchen requires $20K–$100K in equipment before you ever open your doors. Ranges, refrigeration, ventilation, POS systems — the list never ends.
Seasonal Revenue Swings
Tourist season fills your dining room. Summer can empty it. Cash flow management is a constant challenge for Florida restaurant operators.
Health Inspection Repairs
A failed inspection can force costly emergency repairs or temporary closure. Capital needs to be available before the inspector knocks.
Inventory Surges for Events
Catering contracts, holiday rushes, and private events require large inventory buys weeks before revenue arrives.
Luma Funding Options for Restaurants
The right product for the right moment
Cash Advance
$5K–$500K
Repay as a percentage of daily sales — perfect for restaurants with variable daily volume.
Learn More →Equipment Financing
Up to $500K
Finance commercial ovens, refrigeration, POS systems, and full kitchen buildouts.
Learn More →Line of Credit
$5K–$200K
Draw when inventory or staffing demands spike, repay when revenue catches up.
Learn More →After our walk-in cooler died on a Friday night, Luma had $40K in our account by Monday morning. No other lender moved that fast.
Carlos M.
Family Restaurant
Miami, FL
$40K cash advanceof restaurants underfund in Year 1
average restaurant startup cost
average Luma funding time
FAQ
Questions about funding your restaurants business
Yes. Luma's minimum for a cash advance is 550 FICO. We evaluate the health of your business — daily sales volume, consistency, and time in operation — more heavily than your personal credit score.
Absolutely. Kitchen renovations, dining room upgrades, ADA compliance work, and health code improvements are all legitimate uses for business funding.
Luma structures your repayment to match your revenue. During off-season, your daily repayment percentage yields a smaller absolute amount automatically.
Most restaurants qualify for 1–1.5x average monthly revenue. A restaurant doing $50K/month typically qualifies for $50K–$75K. Apply to see your specific estimate.
Yes. Food trucks qualify under the restaurant category. See our dedicated food truck funding page for details.
Get funded for your restaurants business
Florida's fastest funding for restaurants owners. Apply in 60 seconds.