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Restaurants

Funding for the day-to-day and seasonal realities of running a restaurant.

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Industry-Specific Programs
Nationwide Financing
Fast Decisions
Dedicated Funding Specialists
Who We Serve

Independent restaurants, cafes, and multi-location food service businesses.

Funding Challenges

Restaurants operate on thin margins with significant upfront costs for inventory, equipment, and staffing, often alongside seasonal or day-to-day revenue swings.

Funding options that fit

Common ways restaurants businesses access capital.

Working capital for inventory and payroll
Equipment financing for kitchen and dining equipment
Merchant cash advance tied to daily sales volume
Funding for renovations or a new location

Why Restaurants businesses choose us

Fast Access to Working Capital

Covering day-to-day costs like inventory and payroll between slower and busier stretches.

Equipment & Renovation Financing

Kitchen equipment, buildout, or remodel financing without a large upfront outlay.

Revenue-Based Options Available

Some programs structure repayment around daily or weekly sales rather than a fixed schedule.

What funding partners consider

Factors that commonly shape funding options for restaurants businesses.

Typically Reviewed
Daily/Weekly Sales Volume

Many programs look at consistent transaction volume, not just annual revenue.

Time in Business

Established restaurants typically have more options than brand-new openings.

Lease & Location

Your lease terms and location can factor into certain program types.

Example scenarios

A few ways restaurants businesses put funding to work.

Replacing Kitchen Equipment

A walk-in cooler or oven fails and needs fast replacement.

Opening a Second Location

Funding buildout and initial operating costs for expansion.

Smoothing Out a Slow Season

Covering payroll and rent during a predictably slower stretch.

Recommended funding for Restaurants

Merchant Cash Advance

Revenue-based financing for eligible businesses, with repayment tied to your sales.

Invoice Factoring

Convert outstanding invoices into working capital instead of waiting on customer payment terms.

Working Capital

Access capital for day-to-day operating needs, from payroll to inventory to marketing.

Business Term Loans

Predictable financing for major business expenses, repaid on a fixed schedule.

Common funding needs for restaurants businesses

Inventory Financing

Equipment Purchase

Business Expansion

Marketing Financing

Frequently asked questions

For restaurants, cafes, and food service businesses, that often means working capital for inventory and payroll, equipment financing for kitchen and dining equipment, and merchant cash advances tied to daily sales.
Daily or weekly sales volume, time in business, and lease terms are common factors lenders weigh for restaurants, since thin margins and day-to-day revenue swings are typical in food service.
Some programs work with newer businesses, though options and terms are typically stronger with more operating history.
Yes, equipment and working capital options can often be used for renovation-related costs.
Repayment is tied to a percentage of sales, so it flexes with slower and busier periods rather than a fixed monthly amount.

Other industries we fund

Wholesale

Hospitality

Healthcare

Professional Services

Construction

Trucking

Manufacturing

Retail

Funding built for Restaurants businesses

One application, matched to funding options across our lending network.

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