Cash flow challenges every restaurant faces
Seasonal swings
Patios close, tourists leave and holiday rushes end. Revenue can drop 20–40% in slow months while rent and payroll stay the same.
Rising food and labor costs
Supplier prices change weekly, and wage increases hit payroll immediately — long before menu prices can catch up.
Equipment emergencies
When a hood system, fryer or refrigeration unit fails, you lose revenue every day it stays broken.
Common uses of restaurant funding
- Kitchen equipment repair or replacement
- Renovations and patio expansions
- Opening a second location
- Stocking up before busy season
- Payroll during slow months
- Marketing and delivery-app promotions
Why merchant cash advances fit Restaurants
Restaurants take most payments by card, which makes them a natural fit for merchant cash advances. Funders can see your sales volume directly, approvals are fast, and repayment adjusts with your daily sales.
Example: A 60-seat restaurant averaging $85,000 a month in card and cash deposits needs $40,000 to replace its refrigeration system before summer. With steady deposits and 3 years in business, it may qualify for an advance in that range with funding in a day or two after approval. (Illustrative example only; actual offers depend on underwriting.)
Requirements for restaurant funding
- 12+ months in business
- About $10K+ in monthly deposits
- Last 4 months of business bank statements
- All credit scores considered
Learn more about how a merchant cash advance works or check the full requirements.
How to apply
- Complete our online application (about 5 minutes).
- Upload your last 4 months of business bank statements.
- Our funding partner reviews your application and contacts you with options — funding can happen within 24 hours of approval.