Thin margins, seasonal swings, equipment that fails at the worst possible time, and payroll that never waits, restaurants run on cash flow. We help food businesses access working capital and restructuring that fits the realities of the kitchen, not a bank's spreadsheet.
Fast reviews · Clear communication · No misleading promises
Restaurants are revenue-rich and margin-thin. A strong week can be erased by a walk-in cooler that dies, a slow January, or a payroll run that lands before the weekend’s deposits clear. Traditional banks tend to see the thin margins and hesitate, even when daily sales are healthy.
Revenue-based funding flips that lens. Because options like merchant cash advances and lines of credit weigh your actual sales and card volume more heavily than a credit score, healthy restaurants can access capital quickly, and repay in a way that flexes with daily receipts instead of a rigid monthly note.
From the smallest operation to a multi-unit group, if you have steady sales, there's likely a path worth exploring.
Sit-down, fine & casual dining
Counter service, franchises
Bars, pubs, lounges, clubs
Coffee shops, juice & tea bars
Mobile & street food
Events, corporate, weddings
Bakeries & dessert shops
Delivery-only & virtual brands
Replacing or repairing kitchen equipment
Renovations and dining-room refreshes
Covering payroll through a slow season
Opening or building out a new location
Bulk inventory and ingredient buys
Marketing and third-party delivery fees
Emergency HVAC and refrigeration repairs
POS, online ordering, and tech upgrades
A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.
Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.
The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.
A realistic picture of what we look for, and what to have ready so things move quickly.
6+ months in operation
$10k+ in average monthly revenue
An active business bank account
Steady card or deposit volume
U.S.-based establishment
3–6 months of business bank statements
Recent card-processing statements
A government-issued photo ID
Basic business info (EIN, entity type)
Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.
We look at recent deposits and card volume to understand what you may qualify for.
See the products that fit your situation side by side, in plain language.
Once you choose a direction, funds for fast options can land in as little as a day.
Walk-in cooler failed on a Friday
Funded same day, no covers missed
A slow January squeezed payroll
Drew $20k, repaid as spring picked up
Ready to open a second location
Lower-rate, long-term build-out financing
Representative scenarios for illustration. Individual results, products, and timing vary.
We weigh your sales, not just your score
Funding fast enough to fix what broke today
Options that flex with seasonal revenue
Straight talk, no guaranteed-approval hype
Support for single and multi-unit operations
One conversation to compare every fit
A merchant cash advance is the purchase of future receivables, not a loan, and it is priced with a flat factor rate, not an interest rate. That makes it fast and flexible, but the daily remittance does not pause for a slow week. Here is where owners in your line of work feel it.
Restaurants run on thin margins, so a fixed daily remittance that looks small against a busy Saturday can swallow most of the profit on a quiet Monday or Tuesday.
A holdback is figured on card sales, but cash tips, payroll, and food deliveries still come due, so the debit can land before the deposits from the weekend rush actually clear the account.
A slow January or a two-week kitchen closure for a repair does not pause the remittance, which is when owners feel tempted to stack a second advance to cover the first.
Spoilage and waste are real costs that the daily pull does not see, so the math has to survive a slow week, not just an average one.
Say a full-service restaurant takes a $40,000 advance at a 1.35 factor to replace a walk-in cooler. Total payback is $54,000, a flat $14,000 cost that does not compound. Spread over roughly 10 months of business days, that is about $257 a day, the kind of number that disappears on a strong dinner service but stings on a rainy weeknight, so it is worth sizing against your slowest recent month rather than your average. Any APR figure attached to that offer is an APR-equivalent, an estimate for comparison only, not a contractual interest rate.
Illustration only, not an offer of credit. A factor rate is a flat multiplier; any APR shown is an APR-equivalent for comparison only. Actual terms vary by funder and underwriting.
“Our walk-in died on a Friday. Funds were in the account before the weekend rush, we never missed a cover.”
Representative experience. Individual results vary. No outcome is guaranteed.
Still have a question? A specialist can usually answer the same business day.
Start a review→Plain-English answers to the questions owners ask before they apply.
Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.