This Is Why You're Here
Why Full Services Come to Us Instead of Their Bank
Your dining room hasn't been updated in 8 years. A $65K renovation — new booths, lighting, and flooring — would boost covers 20%. But you can't close for 3 weeks without revenue to cover fixed costs.
Your sous chef got hired away. Recruiting and training a replacement costs $12K including recruiter fees and training overlap. Your kitchen can't run short-staffed through the weekend rush.
A liquor license became available for the space next door — you can expand into a private dining room and bar. Build-out is $90K but it adds $30K/month in event revenue.
Your HVAC system is shot and it's July. Guests won't sit in a 85-degree dining room. $28K for a new system, and you're losing $3K a night in covers until it's fixed.
Three of your servers quit the same week. You need $9K for a recruiting push, signing bonuses, and training overlap — you can't run 35 tables with half a floor team through Saturday night.
Our walk-in cooler died on a Friday night — $14K replacement. Basecamp had us funded by Monday morning. Didn't miss a single service.
James R., Full-Service Restaurant Owner, Charleston, SC
Full Service Financing
Get Your Full Service Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Full Service Businesses Choose Basecamp
Front-of-House Never Stops Costing
Your dining room needs new booths every 5-7 years. Carpet, lighting, paint — guests notice when it gets tired. A $40K refresh keeps covers coming. We fund renovations in 48 hours so you don't lose a weekend of service.
Sous Chefs Don't Grow on Trees
Losing a key kitchen employee costs you $10K-$15K in recruiting, training overlap, and overtime. You can't run a full-service line short-handed through a Friday rush. We fund staffing gaps fast.
Bar Programs Tie Up Cash
A solid wine and spirits program means $20K-$40K sitting on shelves at any given time. That's cash you can't use for payroll or repairs. A line of credit lets you stock the bar without starving the kitchen.
Health Inspections Don't Wait
Full-service kitchens get hit with the most compliance orders — grease traps, ventilation, plumbing. A $15K fix with a 48-hour deadline means you need funding today, not next month.
Bobby's Take
Bobby's Playbook for Full Service
Most full-service operators hear 'restaurants are risky' from every bank they walk into. What banks miss is that table-turn economics with $35-$60 average checks and $200K weekly gross at scale doesn't behave like the casual-dining failure stats they're underwriting against. Specialist lenders who fund full-service restaurants know to read your daily-deposit pattern across the lunch and dinner shifts differently. Here's how to position your transaction so the right lenders see it first.
Three things determine whether a full-service restaurant transaction closes: average daily POS deposits over consecutive months, your check average and table turn rate, and the gap between credit-card batch deposits and your A/P aging. Not your personal FICO. Not whether you have W-2 history. Specialist restaurant lenders care about whether daily deposits support a $4,000-$7,000/month payment — and whether your slow-season cash reserve covers payroll without the lender becoming the slow-season cushion.
The biggest mistake full-service restaurant owners make: applying in January when December's holiday spike inflated the trailing month and now January's slow-week deposits are the most recent picture. The lender anchors on the slow-season number. The fix: submit trailing 12-month POS figures alongside bank statements so the lender sees the full annual rhythm. Specialist restaurant lenders pattern-match seasonality. Banks underwrite the last 4 months as the run rate.
revenue lost during a 6-week dark stretch on a kitchen renovation
Where this gets interesting at scale: a full-service restaurant owner doing a $250K renovation doesn't need ONE loan. They need equipment financing for the new kitchen line + a working capital line for the dark-week payroll during build-out + sometimes a revenue-based term loan stacked with working capital for a partner's equity buyout in the same window (see /loans/business-acquisition). Three products, three lenders, one application — that's how full-service operators renovate without going dark on cash flow during the project.
The full-service operators who scale to second locations fastest aren't the ones who waited for the perfect quarter. They're the ones who structured financing to keep the existing location operating profitably while the new build-out went up. A six-week dark stretch on a renovation is $80,000-$150,000 in revenue you don't get back. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your full-service restaurant this week.
Bottom line:
Full-service operators don't scale to second locations on perfect quarters. They scale by structuring the renovation so the doors stay open and cash flow stays alive while the kitchen comes apart.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Full Services Face
Pricing Transparency
What Full Service Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Full-service restaurants burn through $8K-$12K a week just in labor and food costs. When a piece of equipment goes down or you need to renovate, you can't wait 90 days for a bank. We've funded $65K kitchen overhauls in 48 hours — that's the speed restaurant owners need.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your concept, locations, and weekly bank deposits. No P&L upload yet.
Soft Credit Screen
We screen options with no impact on personal FICO or your restaurant's commercial credit.
Restaurant-Specialty Lenders Compete
70+ lenders who fund full-service, fast-casual, food trucks, and franchises review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through equipment finance, working capital, and buildout structures.
Choose Your Offer, Sign, Get Funded
E-signature. Funds hit before payroll runs or the supplier truck rolls.
Full Service Capital Uses
What Full Service Businesses Use Funding For
Kitchen Equipment
Ovens, fryers, walk-ins, hood systems, POS systems. Upgrade without draining your cash reserves.
Payroll & Staffing
Cover payroll during slow weeks. Hire for the busy season. Retain your best staff year-round.
Renovation & Buildout
Dining room refresh, patio expansion, bar remodel, second location buildout.
Inventory & Food Costs
Stock up for busy season. Lock in bulk pricing from suppliers. Never run out of your best sellers.
Marketing & Promotion
Social media ads, Google Ads, delivery platform fees, grand opening campaigns, loyalty programs.
Second Location
Open a new spot, launch a ghost kitchen, or expand into catering. Scale without risking the mothership.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your full service business?
Most restaurant lenders require proof of business property and liability coverage. InsuranceService365.com covers restaurants across 29 states with same-day binding.
Don't Wait Until You Need Funding to Get Funded
Restaurant cash flow is brutal — payroll Friday, food cost daily, rent monthly, and a Tuesday slow week can wipe the buffer. The operators that survive pre-qualified BEFORE the slow stretch hit. By the time you're stalling on payroll, lenders see stress; before, they see opportunity. Pre-qualify when the room is full.
Ready?
See What Your Full Service Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Restaurants Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Full Service Businesses
Working Capital
Cover payroll, rent, and food costs during slow seasons. Fund same day.
Learn More →Equipment Financing
Finance ovens, walk-ins, and kitchen equipment with the asset as collateral.
Learn More →Business Line of Credit
Draw funds for inventory and payroll, repay from weekend revenue.
Learn More →SBA Loans
Long-term financing for buildouts, renovations, and second locations.
Learn More →FAQs
Full Service Business Loan FAQs
Full-Service Restaurant Loans & Dining Business Financing — $10K to $20M+
Look. You're running a full-service restaurant. That means you've got 15-30 employees, a kitchen burning through $8K a week in food costs, and a dining room that looks dated if you don't drop $40K-$60K on a refresh every few years. And your bank wants three years of tax returns before they'll even talk to you. We connect you with 70+ lenders who actually fund restaurants. Same day if you need it.
Here's the thing — your margins are 3-5% on paper, but you're pushing $60K-$120K a month through the register. That's what our lenders care about. Not your P&L. Not your credit score. Your deposits. We've funded $14K walk-in cooler emergencies on a Monday morning. $65K dining room renovations in 48 hours. $350K second-location buildouts through revenue-based capital stacking — equipment, working capital, and a term loan against your existing register revenue. One application, 60 seconds, soft-pull pre-qualification. Your Saturday night revenue stays yours.
Stop Letting Slow Tuesdays Drain Your Friday Buffer. Get Your Full Service Restaurant Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide