Most owners do not know there are two very different kinds of lenders. Choosing the right one can save you thousands of dollars, or save your restaurant.
The lowest rates and the longest terms. They want strong credit, clean financial statements and time to review. Best for growth, real estate and refinancing, when you can wait.
Private funds and online lenders that look mostly at your sales. They can fund in as little as 24–48 hours and work with imperfect credit. They cost more. Best for emergencies and short gaps.
Fast money solves today’s emergency. Bank money builds the future. The smart path uses fast money only as a bridge, then moves you to cheaper bank and SBA financing as your restaurant grows stronger.
We work in both worlds at once, so you see the bank offer and the fast offer side by side and choose with the full picture.
Tell us what you need. A concierge calls you back. See also: Emergency funding.
Banks offer lower rates and longer terms but take longer and require strong credit. Alternative lenders fund fast and are flexible on credit, but cost more.
Usually alternative financing, because it can fund in as little as 24–48 hours. Then refinance into bank money when possible.
Yes. Many restaurants use fast funding as a short bridge and bank or SBA financing for long-term needs.
General information, not financial or legal advice. Dracarys Finance LLC is a commercial finance broker, not a lender. All credit decisions and terms are set by third-party lenders and investors.
Two minutes. No obligation. Your concierge calls you back.
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