With recent bank and card statements, a restaurant can get a same-day decision and funding the next business day.
Check my optionsRestaurants
Restaurants often need money on short notice: a walk-in cooler fails, a health inspection requires repairs, a busy season starts earlier than expected or a delivery-app payout runs late before payroll. Fast funding is built for these moments when documents are ready.
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.
A human reads the file, not just an algorithm score.
Advances, lines of credit and second-position options in one place.
You can apply at 500; stronger credit opens more products.
Approved files are usually funded the next business day.
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.
The fastest path is revenue-based funding underwritten on recent bank deposits. Restaurants usually have many daily deposits from card processing and delivery platforms, which gives underwriters a clear picture quickly. With complete statements, a decision can come the same day and funding as soon as the next business day, with credit considered from 500.
Prepare a restaurant-specific file. Download the last three to six months of business statements, have your point-of-sale reports handy in case the underwriter asks about seasonality, list any existing advances with their balances and payments and keep IDs and entity documents ready. If delivery-app revenue lands in a separate account, include those statements too.
Choose the structure for your cash rhythm. A percentage-of-sales holdback naturally flexes with slow nights; a fixed daily debit is predictable but does not adjust automatically; a weekly payment timed after weekend deposits can suit many restaurants. Ask about each and test it against your slowest week.
Size the request to the emergency. A broken cooler or a required repair has a quote; request that amount plus a small cushion rather than the maximum offered. If an existing advance already takes a large share of deposits, ask whether a buyout of up to $100K or a structured second position would serve better than adding a new advance.
MFE works with restaurants and can return offers from multiple funders after one complete application.
If the emergency involves a health inspection, document the required corrections and the reinspection date. Funders understand urgency when they see a specific repair, a deadline and a quote, and the payback is clearer because the restaurant can reopen fully once the work is done.
Here is a fast offer sized to an equipment emergency. Illustrative numbers.
| Amount funded | $100,000 |
| Factor rate | 1.20 |
| Total payback (amount × factor) | $120,000 |
| Fees deducted at funding (5%) | $5,000 |
| Net cash you receive | $95,000 |
| Weekly payment over 26 weeks | $4,615 |
| Same total as daily debits (~130 business days) | $923/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Statements | 3-6 months, all accounts including delivery |
| POS reports | Ready if asked about seasonality |
| Existing advances | Balances and payments listed |
| Payment structure | Percentage, daily or weekly |
| Request size | Quote plus small cushion |
Good fit:
Probably not yet:
Often a same-day decision and next-business-day funding with complete statements.
Recent statements, owner ID, entity details and a list of existing advances.
Yes, include statements from any account receiving them.
A percentage holdback or a weekly payment timed after weekend deposits often fits.
No, request what the emergency requires plus a small cushion.
Ask about a buyout of up to $100K or a structured second position.
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