Restaurant Funding

Capital built for the restaurant industry

Whether you need working capital to cover slow months, equipment for your kitchen, or funds to open a new location, we connect restaurant owners with funding partners who understand the food industry.

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Loan Specifications

Restaurant funding options

MCA
$5K - $5M
Based on daily sales
Term Loan
$5K - $10M
Fixed payments
Equipment
Up to $10M
Kitchen, POS, furniture
Funding Speed
1 - 3 Days
Business days
Credit Score
475+
Bad credit accepted
Time in Business
6+ Months
Use of Funds
Any Purpose
Renovations, payroll, inventory
Advantages & Considerations

Why restaurant owners choose us

Advantages

  • +Funding based on revenue, not just credit score
  • +Fast approval even during slow seasons
  • +Finance kitchen equipment with the asset as collateral
  • +No restriction on how you use the funds

Considerations

  • -Higher rates for newer restaurants under 1 year
  • -Daily repayment on MCA reduces daily cash flow
  • -Seasonal revenue fluctuations may affect approval amount
Process

How it works

01

Submit your application

Complete a brief application with your business details, funding needs, and financial history. Our team reviews every submission within 24 hours.

02

Get matched with restaurant-friendly lenders

We work with funding partners who specialize in the restaurant and hospitality industry. They understand seasonal revenue and food service cash flow.

03

Close and receive your funds

Once approved, we coordinate closing with the SBA-approved lender. Funds are deposited directly into your business account within the agreed timeline.

FAQ

Common questions

Yes. With an MCA, restaurants as young as 6 months can qualify. Approval is based primarily on your daily credit card sales and bank deposits, not how long you have been open.

Anything related to your business. Common uses include kitchen equipment, renovations, inventory, payroll during slow months, marketing, opening a second location, or covering unexpected repairs.

Funding amounts are typically based on your average monthly revenue. Most restaurant owners qualify for 1-1.5x their monthly revenue for MCA products, and up to $10M for equipment financing and term loans.

For MCA and term loans, no collateral is required. For equipment financing, the equipment itself serves as collateral. Your personal home or other assets are not at risk.

Ready to fund your restaurant?

Apply today. Most restaurant owners are approved within 24 hours and funded in 1-3 business days.

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What funding do you need?

Select your funding type to get started.