Fast Capital for Hospitality & Restaurant Businesses
Renovations, equipment, inventory, expansion, and working capital — term sheets in 48 hours, funding in 4–5 days.
Built for operators who never stop serving.
We know where hospitality capital gets stuck
Hospitality businesses run on timing and occupancy. We underwrite the realities of your operation, not a banker's checklist.
Seasonal revenue swings
Peak season requires capital before revenue arrives. The off-season strains payroll and fixed costs while lenders pull back.
High upfront renovation & equipment costs
Buildouts, kitchen upgrades, POS systems, and FF&E demand large cash outlays long before the guest checks start arriving.
Inventory and payroll pressure
Perishable inventory, weekly payroll, and vendor deposits create a constant working capital squeeze — especially during growth.
Expansion opportunities
A prime location, franchise opportunity, or distressed competitor won't wait for a 90-day bank approval process.
Cash flow gaps
Net-30 vendor terms, delayed event deposits, and uneven nightly revenue make traditional monthly repayment structures painful.
Bank inflexibility
Banks often discount hospitality cash flow and stall when you need capital most — during a buildout or before peak season.
Why Hospitality Businesses Choose Ironclad
Capital that keeps pace with your season
Deep underwriting expertise across restaurants, hotels, catering, and event-driven hospitality models.
Speed that matches hospitality calendars
Term sheets in 48 hours, funding in 4–5 business days. Secure the location, place the order, and staff up on time.
We underwrite hospitality economics
RevPAR, covers, average ticket, labor ratios, and event pipelines — not just a tax-return checklist.
Flexible structures
Renovation capital, equipment finance, working capital, expansion loans, and acquisition facilities sized to your seasonality.
Certainty of close
When we issue a term sheet, we close. No surprises when a contractor payment or liquor license deadline is on the line.
How It Works
From application to wire in days, not months
Quick application
Share revenue, occupancy or covers, and what you need capital for — under 15 minutes, no tax-return marathon.
Term sheet in 48 hours
Our hospitality team underwrites your operation and returns a clear, transparent term sheet.
Diligence & docs
P&Ls, vendor contracts, and lease or franchise agreements reviewed in parallel so your timeline stays intact.
Funded in 4–5 days
Wire hits your account. Pay the contractor, place the inventory order, or staff the new location while competitors wait.
Real Results
Capital deployed for hospitality operators
Renovation and kitchen equipment package funded in 6 business days so three locations could reopen before peak season.
Working capital facility covering payroll, inventory, and marketing ahead of a high-occupancy summer and holiday calendar.
Expansion capital for a new commissary kitchen and event fleet, closed in time to fulfill a major corporate contract.
Qualification Criteria
Straightforward, transparent fit
We tell you upfront whether your business qualifies — no months of back-and-forth before a decision.
- 2+ years in business
- EBITDA positive
- Funding range: $100K – $15M
- Restaurant, hotel, catering, or hospitality operator
- US-based operating company
- Demonstrable use of proceeds
Get your hospitality term sheet in 48 hours
Tell us about your restaurant, hotel, or hospitality business. We'll underwrite quickly, structure intelligently, and close with certainty.