Industry

Restaurants funding in Canada: what funders actually read.

The deposit patterns, seasonality and timing that decide how a Canadian restaurants file is read.

Apply Now Do I Qualify?

✓ Checking what you qualify for does not affect your credit score.

How funders read restaurants files

Card-heavy, daily deposits and strong seasonality make restaurants one of the most common candidates for an advance.

Daily card settlements and their consistency across weeks
Delivery-platform payouts, which arrive weekly net of commission
Seasonality, such as patio season and holiday peaks
Supplier terms and payroll timing relative to deposits

A worked example

Illustrative arithmetic

A Calgary restaurant with $85,000 a month in deposits takes $40,000 at 1.25 for a patio, repaying $50,000 at about 9% of daily card sales over roughly seven months.

Every figure on this page is illustrative arithmetic in Canadian dollars. It is not an offer, a quote or a promise of approval.

Typical starting points

Monthly revenueTypically from around $20,000 a month in deposits for Canadian files. The exact line varies by funder and by file.

Time in businessTypically about 12 months. Newer businesses can be reviewed, but the options narrow.

Account healthLimited low-balance or negative days. Funders read the last few months of bank statements for this.

CreditScores from 500 are considered. A score of 600 or higher opens more options and better offers.

DocumentsA signed application and recent business bank statements, typically the last four months.

Existing advancesFiles with an existing advance can be reviewed, including second position.

Common questions

What do funders read first in restaurants files?

Daily card settlements and their consistency across weeks, then delivery-platform payouts, which arrive weekly net of commission.

What is the money usually used for?

Most often: kitchen equipment and refit; patio or expansion build-out; opening a second location; bridging a slow winter.

Is restaurants funding the same as for other trades?

The review reads the same things in every trade. What changes is the rhythm: card-heavy, daily deposits and strong seasonality make restaurants one of the most common candidates for an advance.

See what you qualify for

Same-day decision. Applying takes a few minutes and will not affect your credit score.

Apply Now →