Merchant Fund Express
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Emergency Funding for Restaurants

When equipment fails or a repair cannot wait, apply in 5 minutes. Decisions move fast, with funding in as little as 24 hours for qualified businesses.

Get Emergency Funds

Restaurant Emergency Funding

Fix it, reopen, and keep your staff on the schedule

Every closed shift costs sales and product. We fund restaurant emergencies based on your deposit history, with the full repayment amount spelled out before you accept.

As fast as
24 hours

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.

Built for urgent restaurant repairs

Fast and light on paperwork

Five minutes to apply, about three months of bank statements, no tax returns. Funding in as little as 24 hours for qualified businesses.

Room for imperfect credit

FICO scores from 500 are considered, and we begin with a soft credit pull so checking your options does not ding your score.

No guesswork on cost

The offer shows the full repayment amount before you accept, and no surprise costs show up after you sign.

A schedule you see up front

Your repayment schedule is laid out in the offer, so you can plan it against your reopening and recovery.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Restaurant emergencies do not wait for a slow Tuesday

The compressor on the walk-in quits on a Friday afternoon. A grease fire takes out part of the line. A water main break floods the dining room. An inspector flags something that must be fixed before you reopen. Every hour closed costs you sales, spoiled product and staff who start looking elsewhere.

Emergency funding exists so you can make the fix now and pay it back out of the revenue you protect by reopening. Our process is short on purpose: a 5-minute application, about three months of bank statements, and an offer you can read and accept.

Common restaurant emergencies we see

For gear-specific breakdowns, our restaurant equipment repair funding page goes deeper. If the problem is the building itself, see funding for emergency roof or HVAC repairs.

How decisions move fast without cutting corners

We do not ask for tax returns or projections. We look at how money moves through your business bank account, what you already owe, and your credit, where FICO scores from 500 are considered. The first check is a soft pull. Decisions move fast, and qualified businesses can see funding in as little as 24 hours.

That speed matters, but so does clarity. Your offer shows the full repayment amount and the payment schedule before you accept, so you know exactly what you are taking on while you are under pressure.

Picking the right structure in a hurry

A one-time repair usually fits working capital. If your sales swing a lot week to week, payments tied to receipts through a merchant cash advance or revenue-based financing can track your volume. When you are ready, start your application.

Frequently Asked Questions

How fast can a restaurant get emergency funding?

Decisions move fast, and qualified businesses can be funded in as little as 24 hours after approval and acceptance. Sending clean bank statements up front helps.

Can I apply while my restaurant is temporarily closed?

Yes. We look at your recent deposit history, so a short closure does not automatically take you out of the running. Explain the situation in your application.

What credit score do I need?

We consider FICO scores from 500. Credit is weighed alongside your deposits and existing obligations.

Should I wait for my insurance claim instead?

That depends on how long the claim will take and what closing costs you each day. Some owners use funding to reopen and keep insurance proceeds as a cushion. Weigh the full repayment amount in your offer against your lost sales.

What documents do you need?

About three months of business bank statements and the 5-minute application. No tax returns are required.

Walk-in compressor $14,500.00
Hood repair $22,000.00
Flood cleanup $37,000.00
Lost-week payroll $26,000.00

Example uses for illustration only.

How to improve your chances

Even in an emergency, a few steps can strengthen your request.

  • Get a written repair quote before you apply
  • Download recent bank statements as clean PDFs
  • Note the closure dates so deposit dips make sense
  • Borrow what the fix needs, not the maximum offered

Emergency funding: us vs a typical bank

Merchant Fund Express
Traditional bank loans
Time to decision
Decisions move fast
Committee review, often weeks
Funding speed
As little as 24 hours if qualified
Rarely fast enough for repairs
Paperwork
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Higher scores usually required
Cost clarity
Full repayment shown before accepting
Varies by product

Get your kitchen back up and running

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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