Funders average several months of deposits, so one slow month matters less than a steady trend; weekly payments or holdback can ease off-season strain.
Check my optionsRestaurants
Underwriters usually average several months of deposits, so one slow month matters less than the overall trend. Still, applying in the middle of a slow stretch, or showing negative days during it, can reduce offers. Timing and structure help.
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.
Existing balances of $100,000 or less can be bought out.
Your file goes to funders that fit it, so offers can be compared.
A person reviews your revenue, time in business and bank activity, often within hours.
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.
What underwriters see: average monthly deposits over the review period, the trend from month to month, the number of deposits, daily balances and existing obligations. A restaurant with strong winter months and a slow late summer will show a dip; underwriters care whether the dip is consistent with prior years and whether the account stayed positive through it.
Provide context and history. If the slow season is predictable, offer statements covering a full year so the underwriter sees the full cycle and the recovery. A short note explaining the seasonal pattern, along with point-of-sale reports showing the same pattern last year, can prevent the dip from being read as decline.
Time the application if you can. Applying soon after your strong season, while those months are still in the review window, generally produces better offers than applying at the bottom of the slow season. If you need funds for pre-season inventory and staffing, apply a few weeks before the slow period ends rather than in its deepest weeks.
Choose structure for the off-season. Weekly payments or a percentage-of-sales holdback ease strain when sales drop. If an existing advance has fixed daily debits that no longer fit, ask the funder about reconciliation under the agreement before payments fail.
Keep the account clean during the slow months: avoid negative days by holding a small buffer, label transfers and pause large owner draws. These signals matter more than the dip itself.
MFE considers credit from 500 and works with seasonal restaurants; providing a full year of statements upfront helps underwriters see the pattern.
Here is an offer for a seasonal restaurant reviewed over a full cycle. Illustrative numbers.
| Amount funded | $25,000 |
| Factor rate | 1.35 |
| Total payback (amount × factor) | $33,750 |
| Fees deducted at funding (4%) | $1,000 |
| Net cash you receive | $24,000 |
| Weekly payment over 26 weeks | $1,298 |
| Same total as daily debits (~130 business days) | $260/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Average deposits | Several months averaged |
| Trend | Seasonal dip vs. decline |
| Full-year statements | Show the cycle and recovery |
| Negative days | Matter more than the dip |
| Structure | Weekly or percentage of sales |
Good fit:
Probably not yet:
Underwriters average several months; consistent seasonal dips matter less than negative days.
Yes, if seasonal, to show the cycle.
Soon after the strong season or before the slow period ends.
Weekly payments or a percentage of sales.
Ask about reconciliation before payments fail.
Revenue-based options begin at 500.
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