Merchant Fund Express
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Second position funding

Second position funding for restaurants: more capital with one advance already open.

If you already carry one advance, you can still be considered for more. The file just has to show the business can carry both.

✓ Checking what you qualify for does not affect your credit score.

The short answer

A second position means a new funding arrives behind an existing advance. Restaurants with strong daily card deposits are often read favorably. Funding runs from $25,000 to $5,000,000, and funding can arrive in as little as 24 hours for qualified businesses.

Amounts$25,000 to $5,000,000
SpeedDecisions move fast; funding in as little as 24 hours for qualified businesses
PaperworkAbout three months of business bank statements, no tax returns
CreditFICO 500+ considered; deposits and time in business carry the weight

What a funder reads with an existing position

Deposit coverage. Can the daily deposits comfortably carry both payments?
Balance behavior. How often the account runs low.
Payment history. Whether the first advance is paid as agreed.
Disclosure. Listing the existing advance with its payment amount.

See second position funding and best second position funding.

Why restaurants use it

Equipment

A failed hood or walk-in cannot wait.

Seasonal payroll

A slow stretch before the busy season.

A second location

Opening costs arrive before sales.

Inventory

Food and beverage purchased ahead of a major event.

Planning honestly

A second position adds a payment. Borrow what the plan needs, review the full repayment amount in the offer, and confirm the daily deposits cover both payments with room to spare.

How to apply

About three months of business bank statements
Your business name, address and time in business
Basic owner information
A list of any existing advances or loans, with the payment amounts

The application takes about five minutes and starts with a soft credit pull, so applying does not hurt your score. Start your application and we will review your file the same day.

Common questions

Can I get funded with an existing advance?

Often yes, if the file shows the business can carry both payments.

Do I need to disclose the first advance?

Yes. List it with its payment amount.

Do I need tax returns?

No.

What credit score is considered?

FICO 500+.

How fast is it?

Funding can arrive in as little as 24 hours for qualified businesses.

See what you qualify for

Same-day decision. Applying takes a few minutes and will not affect your credit score.

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