Delivery platforms pay out on their own schedule; a working capital advance or line sized to card and platform deposits covers payroll in between.
Check my optionsRestaurants
Delivery platforms pay restaurants on their own schedules, often weekly, sometimes with additional delays for adjustments or disputes. When payroll lands before those payouts, the restaurant needs a bridge sized to its combined card and platform deposits.
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.
Existing balances of $100,000 or less can be bought out.
Approved files are usually funded the next business day.
Advances, lines of credit and second-position options in one place.
You can apply at 500; stronger credit opens more products.
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.
Map the timing first. List your payroll dates and the payout schedule of each delivery platform you use, plus card settlement timing from your processor. Many restaurants find that a large share of weekend revenue arrives days later through platform payouts, while payroll for the same weekend is due sooner. The gap between those dates is the amount to bridge.
Check platform settings. Some delivery platforms offer faster or daily payout options, sometimes for a fee. If the fee is small relative to the cost of financing the gap, faster payouts may be the cheapest fix. Review commission tiers too; shifting volume to direct online ordering through your own website can improve both margin and timing.
When a bridge is needed, working capital sized to deposits fits. Revenue-based funding reviews card settlements and platform payouts together, considers credit from 500 and can fund the next business day. A line of credit, if you qualify, is efficient for recurring payroll gaps because you draw only around payroll dates.
Choose a payment structure that matches the cycle. Weekly payments timed after the main platform payout often work better than daily debits that land before the money arrives. Percentage-of-sales structures can also flex with slow weeks.
Protect payroll taxes. Never use withheld payroll taxes to cover net wages; tax liabilities create liens that make future funding much harder.
MFE works with restaurants regularly and can show working capital and line-of-credit options from multiple funders with one application.
Here is working capital sized to a restaurant payroll timing gap. Illustrative numbers.
| Amount funded | $100,000 |
| Factor rate | 1.35 |
| Total payback (amount × factor) | $135,000 |
| Fees deducted at funding (2%) | $2,000 |
| Net cash you receive | $98,000 |
| Weekly payment over 44 weeks | $3,068 |
| Same total as daily debits (~220 business days) | $614/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Map payout and payroll dates | Measure the gap |
| Faster platform payouts | Compare fee with financing cost |
| Direct online ordering | Better margin and timing |
| Revenue-based funding | Bridges with card and platform deposits |
| Line of credit | Draw around payroll dates |
Good fit:
Probably not yet:
With faster payouts, working capital or a line of credit sized to deposits.
Yes, funders review them along with card settlements.
When the fee is lower than the cost of financing the gap.
Weekly payments after main payouts or a percentage of sales.
No, it creates tax liabilities that harm future funding.
Revenue-based options begin at 500.
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