Merchant Fund Express
(305) 384-8391Apply

Restaurant funding

Next-day funding for restaurants: built around nightly deposits.

A restaurant runs on daily card sales and thin margins. When a walk-in dies or a slow month hits payroll, waiting weeks is not an option.

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

The short answer for restaurant owners

Restaurants can get funding from $25,000 to $5,000,000, and funding can arrive in as little as 24 hours for qualified businesses. We read about three months of business bank statements. Daily card settlements give a clear picture.

Amounts$25,000 to $5,000,000
SpeedDecisions move fast; funding in as little as 24 hours for qualified businesses
PaperworkAbout three months of business bank statements, no tax returns
CreditFICO 500+ considered; deposits and time in business carry the weight

Where restaurants use the money

Equipment failure

Walk-ins, fryers and hoods fail without warning, and lost product costs money the same day.

Payroll in a slow stretch

A quiet January still carries a full payroll.

Food costs

Suppliers move to cash on delivery or prices jump, and inventory has to be bought first.

Remodels and a second location

A build-out is paid up front while revenue builds over months.

What a funder reads

Card settlement consistency. Daily deposits that repeat week after week.
Seasonality. A pattern that rises and falls is normal for restaurants.
Time in business. Established restaurants read more favorably.
Existing obligations. Other advances or loans already being repaid.

See restaurant qualification and same-day funding for restaurants.

Illustrative plan

UseAmount
Replace a walk-in cooler$16,000
Cover two payroll cycles$22,000
Stock for a holiday weekend$12,000
Total request$50,000

For illustration only, not an offer or a quote.

How to apply

About three months of business bank statements
Your business name, address and time in business
Basic owner information
A list of any existing advances or loans, with the payment amounts

The application takes about five minutes and starts with a soft credit pull, so applying does not hurt your score. Start your application and we will review your file the same day.

Common questions

How fast can a restaurant be funded?

Funding can arrive in as little as 24 hours for qualified businesses. Timing depends on how complete the statements are.

Do restaurants need good credit?

FICO 500+ is considered. Deposits carry a lot of weight.

Do I need tax returns?

No. We read business bank statements.

Can a new restaurant apply?

The business should have an operating history with regular deposits.

Can I apply as a sole proprietor?

Yes.

See what you qualify for

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

Apply Now →
Apply NowCall