Why catering companies qualify
Catering Companies are classified under Caterers, which is an eligible category. That removes industry as a concern — approval comes down to the same four factors as any other eligible business.
Those factors are average daily balance relative to revenue, time in business, negative days and NSFs, and any existing funding positions.
Average daily balance
Roughly 10% of monthly revenue is the target. See what this means →
Time in business
3+ years is strongest, but newer businesses are regularly funded. See the tiers →
Negative days & NSFs
Under 3 negative days and 6 NSFs a month keeps you in range. See exact limits →
Existing positions
An open advance does not automatically disqualify you. See how it is handled →
How it works
1. Apply in minutes
A short application. No impact to your credit score to see what you qualify for.
2. Same-day decision
We review revenue, time in business and bank activity — not just a credit score.
3. Review your terms
You see the amount, the term and the total cost before you sign anything.
4. Funded next business day
Money in your account, typically the next business day after signing.
Common questions
Do catering companies qualify for business funding?
Yes. This industry is in an eligible classification. Approval depends on bank activity, time in business and existing positions, the same as any eligible industry.
How much can this type of business borrow?
$10,000 to $350,000 on a line of credit, or $10,000 to $250,000 on a term loan, depending on the file.
What if this business already has a merchant cash advance?
See MCA refinance and buyout — existing positions are reviewed, not an automatic decline.
How fast is the decision?
Same-day.
Will checking affect credit?
No, checking what you qualify for does not affect your credit score.