About Us
About 305 Restaurant Capital
305 Restaurant Capital provides upfront growth capital to restaurant operators across Miami and South Florida, structured around how a restaurant actually earns instead of a fixed monthly loan payment.
What We Do
We provide upfront growth capital to independent restaurant operators and structure the commitment around serving future guests rather than a rigid monthly bill. Capital can go toward a dining room renovation, kitchen and refrigeration equipment, a patio build-out, staffing ahead of the season, working capital through the slower months, or the marketing and signage that bring new guests through the door. Every engagement starts with a conversation about your restaurant, your goals, and what growth actually looks like for your operation. From there we build a growth plan together and move through review. There is no one-size-fits-all amount: your capital is sized to your operation and your goals, and terms are determined individually.
Who It's For
We work with restaurant operators throughout Miami-Dade, Broward, and Palm Beach counties, from full-service dining rooms and fast casual concepts to cafés, bars, and the operators behind them. If you run a restaurant in South Florida and you are trying to get ahead of high season instead of reacting to it, you are who we built this for. Our operators think in seasons rather than calendar months, and they want capital that respects the quiet stretch as much as the busy one.
Who Builds It
305 Restaurant Capital is a Miami-based team focused entirely on South Florida hospitality. We are not a general-purpose lender spread across every industry; our work is built around the realities of running a restaurant here: the off-season squeeze, the vendor and payroll calendar, the renovation that has to be finished before the season starts, and the staffing that has to be in place when the phone starts ringing. We publish plain-language information about how our capital works, and we are upfront that all capital is subject to eligibility, review, and approval.
Start With a Conversation
A short call is all it takes to find out what your restaurant qualifies for.
