Merchant Fund Express
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Revenue-Based Financing for Restaurants

Funding sized to your restaurant's sales, with the full repayment amount shown before you accept. 5-minute application, no tax returns required.

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Restaurant Revenue-Based Financing

Built around the revenue your restaurant brings in

Restaurant sales move with seasons, events and weather. Revenue-based financing starts from that sales history and gives you a clear repayment plan up front.

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.

Why it suits restaurant revenue

Quick to apply

A 5-minute application and roughly three months of bank statements. Funding in as little as 24 hours for qualified restaurants.

Credit is one factor

FICO 500 and up is considered. Your sales history does a lot of the talking.

Total cost in writing first

See the full repayment amount in your offer before you accept, with no surprise costs after you sign.

Plan repayment in advance

The repayment schedule is spelled out in your offer, so you can map it against your busy and slow months.

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.

Financing that follows the dinner rush

Restaurant revenue is anything but flat. A food truck festival, a playoff run or a stretch of rainy weekends can move weekly sales a long way. Revenue-based financing is structured around the revenue your business generates, which makes it a natural fit for operators whose income rises and falls with the calendar.

How revenue-based financing works

With revenue-based financing, the funding amount is sized to your sales history, and repayment is tied to your revenue according to the schedule laid out in your offer. We show the full repayment amount before you accept, so you know the total cost at the start and nothing changes after you sign.

We size offers from your business bank statements, usually about three months. Funding ranges from $25,000 to $5,000,000 depending mainly on deposits and any obligations you already carry.

Good fits in the restaurant world

For illustration, a seafood restaurant on the coast might use funding in spring to stock up and staff for summer, then repay as the busy months bring in higher sales. A sports bar might do the same ahead of football season. The point is to line the funding up with the revenue it helps create.

For ideas on timing funding with your sales curve, see our slow season and inventory funding pages.

What you need to apply

  1. The 5-minute online application with a soft credit pull to start.
  2. About three months of business bank statements.
  3. A sense of what the funds are for and when they will turn into sales.

No tax returns are required. FICO 500 and up is considered, and sole proprietors can apply. Qualified restaurants can be funded in as little as 24 hours.

Comparing your options

Revenue-based financing sits close to a merchant cash advance; both are built around your sales. If you want to draw smaller amounts over time instead, look at a business line of credit for restaurants. We can lay options side by side once we see your statements, so you can choose based on how your restaurant actually earns rather than on a generic product label. If equipment is the main need, restaurant equipment financing may also be worth a look. Apply here to get started.

Frequently Asked Questions

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

It is sized from your sales and deposits rather than collateral and tax returns, and the review starts with about three months of bank statements.

How much can my restaurant receive?

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

Will I know the total cost before signing?

Yes. Your offer shows the full repayment amount and the repayment schedule before you accept.

Does a seasonal restaurant qualify?

Seasonal restaurants can apply. We review the full deposit pattern, including peaks and slower months.

Can I apply as a sole proprietor?

Yes. Sole proprietors can apply.

Ghost kitchen setup $48,000.00
Catering van $36,000.00
Wine program stock $24,000.00
Peak-season hiring $30,000.00

Example uses for illustration only.

How to improve your chances

Clear records help us size revenue-based financing accurately.

  • Deposit every sales channel into the business account
  • Note any one-time deposits so we can set them aside
  • Mark your peak and slow months for the review
  • Keep a short list of current financing payments

Revenue-based financing vs. a bank loan

Merchant Fund Express
Traditional bank loans
Sizing
Based on deposits and sales
Based on collateral and returns
Documents
About 3 months bank statements
Tax returns, P&L, balance sheet
Credit
FICO 500+ considered
Strong credit expected
Application
5 minutes, soft pull
Long process, hard pull common
Speed
As little as 24 hours if qualified
Weeks to a decision

Match your funding to your sales

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

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