Who this is generally built for
Hospitality businesses with some real history and steady deposits, but not the years-long track record or top-tier credit score that the strongest offers require.
- Time in business: as little as 6 months to a year
- Personal credit score: often 500–550 and up
- Monthly revenue: generally $8,000–$25,000 or more, with consistent deposits
- Ownership: majority owned by the applicant
These are general guidelines, not a hard cutoff. Funding partners weigh the whole file — a strong deposit pattern through the busy season can outweigh a thinner credit file.
What kind of funding this usually looks like
Typically a smaller amount than an established-business line, over a shorter term, sized to what the business can comfortably support today.
- Amounts generally start in the low five figures and scale with revenue
- Terms are usually shorter — often under a year
- Pricing reflects the shorter track record, and improves as the business builds history
The exact number only shows up after you apply — OpenTab Capital will never guess at a rate before reviewing your file.
How this grows with your business
A first approval here is often the fastest way to build the track record that unlocks stronger terms for next season.
Consistent, on-time repayment is one of the clearest ways to build toward established-business terms down the road. Every funded file is a chance to build the history the next offer is based on.
What you’ll typically need
- Recent business bank statements
- Basic business and ownership details
- A short description of what the funds are for
Frequently asked questions
Is this a direct loan from OpenTab Capital?
OpenTab Capital helps businesses get funded through its funding partners. Funding at this tier is placed through partners built for newer or growing businesses, not funded directly by OpenTab Capital.
What if my business is less than 6 months old?
OpenTab Capital reviews every application against its full range of partners. Even a very new business is worth applying — you'll be told plainly if it's not the right time yet.
Will my rate be worse than an established business's?
Usually, yes — pricing reflects the shorter track record. It typically improves at renewal once you've built payment history.
Does applying hurt my credit?
Practices vary by product and partner. Ask about the credit check method for any offer before you accept it.
See your real options
One secure application. No obligation to accept an offer.
Updated September 14, 2026 · OpenTab Capital Funding Team