In partnership with
Capital and Essential Tools to Help Your Culinary Business Succeed
We know how challenging it is to run a food and beverage business. You shouldn’t have to make the journey alone.
What makes us different
Financing to fit your needs
From carry out heroes, to a fine dining focus, to food truck travelers, we have you covered.
Customized loans and repayment terms
No two businesses are alike, so we structure loans that work for your business, not someone else’s.
We speak your language
We offer 1:1 coaching in English and Spanish to support you when you most need it.
Capital to fuel your restaurant growth
Borrow $5K-$250K
No Prepayment Penalties
1-5 Year Terms
Fixed Monthly Payments
Find potential offers in minutes without affecting your credit.
Start your application process today!
How to Apply
Do you qualify?
- Minimum 1 year in business
- Minimum $50,000 in annual sales
- Own at least 20% of the business
- Must be at least 18 years or older
Tip for Success: When applying for a loan, it’s recommended that businesses borrow no more than 10-20% of annual revenue to maintain financial health.
Complete an Online Application
Apply for an offer without impacting your credit score. Be prepared to share business revenues and expenses. Pulling numbers from your tax returns can help.
Review Your Options
We’ll share offers you can choose from with different term lengths, monthly repayments, and interest rate options.
Finalize Your Loan
Once you’ve chosen an offer, we’ll ask for final documentation and verification. We’ll review and come back with a final offer and loan agreement. Upon signing, you’ll get the money you need for your business!
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Employee
Ways to use your loan:
- Expand your business
- Hire employees
- Stabilize Cashflow
- Cover payroll
- Relocation
- Buy Equipment
- Purchase inventory
- Buy supplies
- Marketing
- Building improvements
FAQ
- AOF is a nonprofit: Because we don’t exist to make a profit, we use the money from your repayment to support other business owners.
- AOF does not judge by credit score alone: Instead of relying exclusively on credit scores, AOF assesses your business plan, character, background, payment history, and a range of other criteria to determine your creditworthiness.
- AOF provides additional support: In addition to loans and funding, AOF offers support services to small businesses. This can come in the form of business advising, mentoring, and access to networks and resources.
- Loans between $5,000 – $250,000
- Fixed interest rates starting at 8.49%
- Transparent and flexible terms of either 12, 24, 36, or 60 months
- No prepayment penalties
- $50k or more in annual revenue
- One year or more in business
- You own 20% or more of the business
- Located all U.S. states except: MT, ND, SD, TN, VT, D.C
- Business Tax Return
- Personal Tax Return
- 3 most recent business bank statements or Plaid linked
- Government ID (front and back)
- If loan is $50k or above, UCC Filing will be required
We’ll give you a quote in just 15 minutes without impacting your credit score. Once offers are presented, you will be able to choose which option works best for you. Offers will have different term lengths, monthly repayment options, and interest rates. See a video here that takes you through the process step by step.