Use working capital for patio or seating expansion, online ordering, catering equipment and marketing; repay from the added sales.
Check my optionsRestaurants
Restaurant sales grow from more covers, higher average checks, more off-premise orders or longer hours. Funding makes sense when it removes the specific bottleneck holding one of those back, and the payment fits even a slow week.
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.
Existing balances of $100,000 or less can be bought out.
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.
Start with the numbers you already have. Your point-of-sale system shows covers per day part, average check, table turn time, off-premise share and which items carry the best margins. If Friday and Saturday dinner turns away guests while Tuesday lunch is half empty, the constraint is peak capacity, not demand. If delivery orders are growing but the kitchen line slows during rushes, the constraint is kitchen throughput.
Common fundable upgrades follow from those constraints. A second fryer, combi oven or expanded line can raise peak output. A patio buildout or reconfigured dining room can add seats where demand exists. A dedicated pickup station and better packaging can support off-premise growth without hurting dine-in service. Menu engineering, kitchen display systems and online ordering integrations can raise average check and speed.
Estimate the payback before borrowing. If a $22,000 patio adds 24 seats and you expect to fill them on 3 busy nights a week at an average check of $38 and a 65% contribution margin after food and labor, that is roughly $5,800 of added monthly contribution in season. A payment comfortably below that, with an eye on off-season months, makes the project reasonable.
Restaurants have cash patterns funders understand: daily card deposits, delivery-app payouts on a lag and seasonal swings. Revenue-based funding sized on those deposits can arrive the next business day and considers credit from 500 through MFE. Ask for payments that match your weekly rhythm and an early-payoff discount at 30, 60 or 90 days where available.
Avoid funding projects that do not touch a constraint, such as a full redesign when the real issue is staffing. Capital spent on the wrong problem adds a payment without adding sales.
Here is an advance sized for a restaurant capacity upgrade. Illustrative numbers.
| Amount funded | $150,000 |
| Factor rate | 1.28 |
| Total payback (amount × factor) | $192,000 |
| Fees deducted at funding (4%) | $6,000 |
| Net cash you receive | $144,000 |
| Weekly payment over 40 weeks | $4,800 |
| Same total as daily debits (~200 business days) | $960/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Peak dine-in full | Patio or seating reconfiguration |
| Kitchen slows at rush | Added line equipment |
| Off-premise growing | Pickup station, packaging, integrations |
| Low average check | Menu engineering, upsell training |
| Short hours | Staffing for added day parts |
Good fit:
Probably not yet:
Those that remove a capacity bottleneck at peak or support growing off-premise demand.
Added seats x nights filled x average check x contribution margin, adjusted for season.
Yes, or with equipment financing; working capital also covers installation.
Funders see them as deposits; payout lags should be considered when sizing payments.
Choose what fits your deposit rhythm; many prefer weekly.
Size funding so the payment fits even without the added sales.
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