Merchant Cash Advance
Repay as a small share of daily card sales, so your payment shrinks automatically on slow nights.
Explore Merchant Cash AdvanceIndustry funding
Funding for Restaurants businesses
Renovate, add locations, or cover seasonal dips with funding that flexes around daily card sales — lighter on slow nights, never a fixed bill you can't meet.
The cash-flow reality
Challenges in restaurants
We've funded enough restaurants businesses to know exactly where the money gets tight. Here's what we structure around.
Thin, swingy margins
Food and labor costs squeeze margins, and a slow week or surprise repair can turn a profitable month into a stressful one.
Costly buildouts
Renovations, new equipment, and second locations carry heavy up-front costs that a single location's cash flow rarely covers alone.
Seasonal and daily swings
Revenue rises and falls by season, day, and even weather — making rigid fixed payments a poor fit.
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Funding solutions for restaurants
Based on how restaurants businesses earn and spend, these products tend to fit best.
By the numbers
What restaurants funding looks like
Same / next day
MCA funding speed
% of sales
Flexible repayment
$5K-$500K
Funding range
In their words
A restaurants owner's story
“The MCA repayment flexed with our card sales, so our slow January didn't crush us. We reopened the patio in spring with momentum.”
Eligibility for Restaurants businesses
Restaurants typically qualify with 6+ months in business, $15,000+ in monthly card sales, and a 500+ credit score. Strong daily card volume is a plus.
Steady capital. Solid partners.
Ready to fund your restaurants business?
Apply in about five minutes with no hard credit pull, or talk through your options with an advisor who knows your industry.