Merchant Fund Express
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Revenue-Based Financing for Catering

Funding with repayment tied to how your catering revenue comes in. Bring about three months of bank statements and skip the tax returns.

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Revenue-Based Financing

A funding structure that respects your event calendar

Busy weekends and slow weekdays are normal in catering. Revenue-based financing is built around that rhythm, and every offer spells out repayment before you sign.

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 caterers with uneven months

Quick and light on paperwork

Apply in about five minutes with roughly three months of bank statements. Funding in as little as 24 hours for qualified businesses.

Room for imperfect credit

FICO 500+ is considered, and we start with a soft pull. Your deposit history matters most.

Every cost shown up front

The full repayment amount is in your offer before you accept. No surprise costs appear after you sign.

Repayment spelled out

Your offer lays out how and when repayment happens, so you can plan it against your booking season.

Need capital this week?

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.

Why revenue-based financing suits event work

Few businesses swing like catering. A graduation weekend can bring in more than an entire slow month, and corporate clients often pay on their own timeline. A funding structure with a rigid payment that ignores those swings can squeeze you right when bookings dip.

Revenue-based financing is built around the money your business brings in. Repayment is tied to your revenue, so the structure follows the shape of your calendar more closely than a fixed bank payment would. Your offer lays out exactly how repayment works before you accept.

How we look at a catering business

We care about the pattern of deposits more than a pile of paperwork. Send about three months of business bank statements and we can see:

  1. How client deposits and final balances arrive
  2. Which weeks are heavy and which are light
  3. What existing obligations already draw on the account

No tax returns are required. FICO 500+ is considered, and we begin with a soft credit pull. Sole proprietors can apply, including owners who cook, book and deliver everything themselves.

Common uses we see from caterers

If the need is a specific piece of gear, equipment financing for catering may fit better. For flexible draws on recurring gaps, compare a business line of credit for catering.

Plan around the slow months

The smartest time to arrange funding is before the quiet season, not in the middle of it. If January and February are always thin, think about what you will need to carry staff and fixed costs through them. Our catering slow season funding page covers that situation in more detail.

Ready to see your numbers? The application takes about five minutes. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

Caterers who do this well usually map their bookings against expected costs before they borrow. A simple spreadsheet showing deposits, event dates and staffing needs can tell you whether the funding solves the problem.

Frequently Asked Questions

How is revenue-based financing different from a bank loan?

Repayment is tied to your revenue rather than a rigid bank structure. Your offer explains exactly how repayment works before you accept.

Do caterers need a minimum revenue to apply?

We do not state a hard revenue minimum. We work with established businesses that show steady deposits.

What documents do I need?

About three months of business bank statements. No tax returns are required.

How much funding is available?

From $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.

How fast can I get funded?

Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

Can I use revenue-based financing to prepare for wedding season?

Yes. Caterers often use it to buy food, hire servers and book rentals ahead of a heavy stretch of events. Applying before the season starts gives you time to review your offer carefully.

Bulk food buying $18,000.00
Wedding season staff $27,500.00
Commissary space $65,000.00
Corporate marketing $12,000.00

Example uses for illustration only.

How to improve your chances

These habits help a catering business present stronger revenue data.

  • Deposit all event payments into your business account
  • Keep personal spending out of business statements
  • Invoice corporate clients promptly after each event
  • Track your booking calendar a season ahead

Revenue-based financing with us vs. a bank

Merchant Fund Express
Traditional bank loans
Repayment structure
Tied to your revenue
Rigid fixed payments
Paperwork
About three months of statements
Tax returns and financials
Credit
FICO 500+ considered
Stricter credit expectations
First credit check
Soft pull
Usually a hard pull
Timing
As little as 24 hours if qualified
Weeks of underwriting

Fund your next catering season

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

Apply for Funding
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