How a Texas Restaurant Secured $150K in Revenue Based Funding in 72 Hours

The Challenge

Maria R., owner of a family-run Tex-Mex restaurant in Houston, needed to replace aging kitchen equipment — commercial oven, walk-in refrigerator, and ventilation system — before the busy holiday season. Two local banks declined her application, citing insufficient collateral and a credit score below their 680 minimum. According to the Federal Reserve Small Business Credit Survey (2024), 45% of small businesses in accommodation and food services report difficulty accessing credit. With equipment failures costing her $3,000/month in lost revenue and repair bills, Maria needed a fast solution.

The Solution

Maria submitted a single application through ORP Group. Within 24 hours, her funding advisor matched her with a revenue based funding provider that approved her based on monthly sales and bank deposits. The provider approved her for $150,000 with a repayment schedule tied to her restaurant's revenue. From application to funding took 72 hours.

The Results

• Secured $150,000 in revenue based funding within 72 hours
• Monthly payments of ~$3,380 replaced $3,000/month in repair costs
• No collateral required — approval was based on revenue
• Revenue increased 22% in the first quarter after the upgrade
• Zero impact on Maria's personal credit score during application