Working capital.
Funded fast.
Apply in minutes. Get an offer within 24 hours.
Why choose Reddy Capital?
ProductsWith over 20 years of experience in the restaurant industry, we understand what is needed to sustain and grow your business.
Restaurant experts
Two decades in restaurants means we read your deposits the way you read a Friday night.
We understand your needs and meet your expectations.
Win-win approach
Our philosophy is simple: when your restaurant grows, we grow with it.
Capital that helps your business and keeps your customers coming back.
Relationship first
One specialist who knows your file, from your first offer to your next renewal.
A real person, not a call center.Capital to keep
your restaurantgrowing.
Spend it on the thing that makes sense.
There are no restrictions on use of funds. These are what operators actually invest in.
Reddy Capital is not a bank. Capital Injections are for business-purpose only.
Bank-grade security. Connected in seconds.
We read your deposits through Plaid, the same connection layer your other financial apps use. Your login never reaches our servers.
Three steps. Funded quickly.
How it worksNo PDFs, no fax machines, no branch visit. Most operators are through the application in under 5 minutes.
Apply and connect
Three months of bank data through Plaid, read-only. No cost to apply, no credit inquiry, and you can stop at any point.
Secure application process.File review and offer
An underwriter owns your file start to finish, and provides a clear offer — not a range. Apply before 2pm and you hear back before close.
Direct line to your underwriter.Sign and get funded
E-sign the offer and we wire to your business checking. Track your payments and request a top-up from your portal.
Same-day wire to your business account.Are we a match?
MinimumsSimple requirements to get you an offer. These minimums apply to most businesses:
92% of restaurants require fast funding within their first 5 years of operation. Reddy Capital has helped hundreds of restaurants stabilize and grow.
In their own words.
All case studiesReal businesses that needed capital, got it fast, and kept growing.
In this business the money goes out before it comes back in. When we needed the second location, Reddy funded it in a day — no runaround.
Kenji Oton$180,000 · Working capital
Owner · Wings bar, Houston TXQuick cash to repair equipment and hire staff. When you are a small business competing against corporations, accessible capital is the whole game.
Co-founder · Steakhouse, Topeka KSMost of us do not have piles of money sitting in the bank. That is when we go to Reddy, who can actually fund, and fund quick.
The questions operators actually ask.
FAQTalk to a real person who knows your file.
US-based underwriters, Monday to Friday.
1-833-61-REDDYMon – Fri · 8am – 5pm CSTMedian is 19 hours from signature to cleared funds. Apply before 2pm and you get a decision before close; ACH is initiated the same day and lands the next morning.
Not to give you an offer. We underwrite on your bank deposits and card volume. A soft check happens only at the point you accept.
A flat multiple on the amount advanced — 1.14 to 1.38 here. Borrow $50,000 at 1.20 and you repay $60,000. It is not an APR, so compare total cost of capital.
We look at existing positions as part of the file. Consolidating two bad ones into a single sales split is one of the most common things we fund.
No prepayment penalty. In fact, you may qualify for an early payment discount on the remaining balance.
Start here if you are ready to get funded fast.
Five minutes to apply. An offer right to your inbox. Money right to your bank account.