Merchant cash advances tied to card sales, working capital, equipment financing and lines of credit. Funders review card and bank deposits.
Check my optionsRestaurants
Restaurants have distinct financing needs: kitchen equipment, build-outs, inventory that turns over in days, payroll that runs every week and seasonal swings. Each need fits a different product.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Your file goes to funders that fit it, so offers can be compared.
Advances, lines of credit and second-position options in one place.
Existing balances of $100,000 or less can be bought out.
Approved files are usually funded the next business day.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Equipment such as ranges, walk-in coolers, hoods and dish machines is well suited to equipment financing or leasing, with the equipment as collateral and terms that match its useful life. Build-outs and renovations, which can run into six figures, fit SBA 7(a) or 504 loans or bank term loans for operators with strong credit and history; landlords sometimes contribute tenant improvement allowances that reduce how much financing is needed.
Working capital needs, such as covering payroll during a slow month, restocking before a busy season or handling an unexpected repair, fit faster products. Revenue-based funding and merchant cash advances are a common choice for restaurants because they are underwritten on daily card and delivery deposits, consider credit from 500 and can fund the next business day. Payments can be tied to a percentage of sales so they shrink in slow weeks.
Restaurants face specific underwriting considerations. Funders look at deposit consistency across days of the week, the share of revenue from delivery apps, whose payouts lag, seasonal patterns and any existing advances. Margins are tight in the industry, so lenders pay close attention to whether a new payment fits after food, labor and rent.
Use the right tool and keep the total in check. Pair equipment financing for big assets with a modest working capital line or advance for short-term needs, rather than funding everything with short-term capital. If you already carry an advance with heavy payments, a buyout of up to $100K or a structured second position may restructure it.
MFE works with restaurants regularly and compares multiple funders with one application.
Here is a working capital offer sized to restaurant deposits. Illustrative numbers.
| Amount funded | $100,000 |
| Factor rate | 1.25 |
| Total payback (amount × factor) | $125,000 |
| Fees deducted at funding (2%) | $2,000 |
| Net cash you receive | $98,000 |
| Weekly payment over 36 weeks | $3,472 |
| Same total as daily debits (~180 business days) | $694/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Kitchen equipment | Equipment financing or lease |
| Build-out or renovation | SBA or bank loan, TI allowance |
| Seasonal or slow-month payroll | Revenue-based funding |
| Emergency repair | Fast working capital |
| Heavy existing advance | Buyout or structured second position |
Good fit:
Probably not yet:
Equipment financing, SBA and bank loans, lines of credit and revenue-based funding.
For short-term needs, often, especially with percentage-of-sales payments.
Funders see them as deposits; their lag should be considered when sizing payments.
Yes, with SBA or bank loans, often alongside a landlord allowance.
Options begin at 500.
A buyout of up to $100K or a structured second position may help.
It is harder before several months of deposits; equipment financing and landlord allowances are common early options.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding