How a Texas Restaurant Bridged Seasonal Cash Flow with a $150K Line of Credit

The Challenge

Maria R., owner of a family-run Tex-Mex restaurant in Houston, needed a flexible cash cushion to cover payroll, kitchen repairs, and inventory ahead of the busy holiday season. Two local banks declined her application, citing insufficient collateral and its lending criteria. According to the Federal Reserve Small Business Credit Survey (2024), 45% of small businesses in accommodation and food services report difficulty accessing credit. With unexpected costs threatening $3,000/month in lost revenue, Maria needed a solution fast.

The Solution

Maria submitted a single application through Pro Capital. Her dedicated funding advisor matched her with a specialty lender that offered a $150,000 revolving line of credit with interest paid only on drawn funds. She drew $60,000 upfront to cover urgent repairs and payroll, and kept the rest available for the holiday rush.

The Results

• Secured a $150,000 revolving line of credit
• Only paid interest on the balance drawn — not the full facility
• Handled kitchen repairs and holiday payroll without operational disruption
• Revenue increased 22% in the first quarter after the funding was in place
• Zero impact on Maria's personal credit score during the application process