Compare a revolving limit with a lump-sum advance for your restaurant, and apply in about 5 minutes with a soft credit pull to start.
See My OptionsRestaurant Funding Comparison
Busy weekends and slow Tuesdays both cost money. Choose the structure that follows your sales, not the other way around.
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.
Apply in about 5 minutes with three months of bank statements. Qualified restaurants can be funded in as little as 24 hours.
FICO 500+ is considered. Your daily deposits carry real weight in the review.
The full repayment amount is in your offer before you accept, and nothing new appears after you sign.
Your schedule is spelled out in the offer, so you can plan around slow nights.
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.
When restaurant owners ask us which is better, a line of credit or a merchant cash advance, the honest answer starts with another question: what is the money for? A walk-in cooler that died on a Friday night is a different problem from a patio buildout you have planned for spring. Both products can help. They just repay differently and suit different timelines.
A merchant cash advance gives you a lump sum now, repaid from future sales or deposits on a schedule set in your offer. Restaurants run on daily card volume, so this structure tends to line up with how money actually comes in. It fits one-time needs well:
More detail lives on our merchant cash advance for restaurants page.
A business line of credit gives you a limit to draw from when you need it. You might pull funds to cover a big food order before a holiday weekend, repay as covers come in, then draw again later. For owners who face many small, unpredictable costs, a revolving limit can be easier to manage than one lump sum. See our line of credit for restaurants page.
| Line of credit | Merchant cash advance | |
|---|---|---|
| How you get funds | Draw as needed | One lump sum |
| Best for | Recurring, smaller costs | One known expense |
| Main factor | Steady deposits and credit | Sales and deposit history |
If you are opening back up after a closure, our restaurant reopening funding page may help.
The application takes about 5 minutes with a soft credit pull to start. Send about three months of business bank statements; no tax returns are required. FICO 500+ is considered and sole proprietors can apply. We offer $25,000 to $5,000,000, and qualified restaurants can be funded in as little as 24 hours. Your offer shows the full repayment amount and the schedule before you accept anything. Apply now.
Neither is automatic. A merchant cash advance leans heavily on sales and deposit history, while a line of credit usually needs steady deposits and a credit profile that supports a revolving limit.
Yes. Many owners use an advance for a single equipment replacement. For larger purchases, equipment financing can also be worth a look.
It is one factor. FICO 500+ is considered, and we weigh it alongside your deposits and existing obligations.
About three months of business bank statements and the short application. No tax returns are required.
Yes. Every offer lists the full repayment amount and the repayment schedule before you accept.
Some owners do, but every new obligation is weighed against what you already carry. We look at your deposits and current payments together, and the offer shows the full repayment amount so you can judge whether a second product fits your margins.
Example uses for illustration only.
Small changes in how you run the books can strengthen any application.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding