Working capital for your next project — Restaurant Cash Advanced
Get fast capital for restaurants to cover payroll, equipment, or expansion without the red tape of bank loans.
Checking your rate does not impact your credit score.
- Holdback rate
- Factor rate
- Remittance
- Daily ledger
- Gross sales
- Renewal
- Advance amount
- Repayment term
Merchant cash advances and alternative working capital for US restaurant owners
Financing options matched to your situation, in one place.
- MCA Merchant cash advance Repay as a percentage of your daily credit card sales.
- WORKING Working capital loan Fixed daily or weekly payments to cover immediate expenses.
- EQUIPMENT Restaurant equipment financing Lease or buy essential kitchen gear with bad credit options.
- PAYROLL Payroll funding Bridge the gap on your weekly wages during slow seasons.
- $5K–$500K Funding available
- 24–48 hours Time to cash
- 1 soft pull Credit impact
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
No collateral required
- We do not require real estate liens or heavy personal assets.
- Approvals are based on your restaurant's actual cash flow.
All credit profiles
- Scores below 600 are still eligible for consideration.
- Past hiccups do not disqualify you from working capital.
Fast funding timelines
- Most approved applicants receive funds within two business days.
- Skip the months of paperwork found at traditional banks.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Low personal credit score
Traditional banks often reject owners with scores below 700 without asking about revenue.
No business collateral
Big banks require hard assets like real estate to secure a loan.
Short time in business
Most banks require three years of tax returns to approve a loan.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Barbecue pit owner
Purchasing a new commercial smoker and ventilation system.
Food truck operator
Emergency truck transmission repair to keep the route open.
Cafe franchise owner
Covering payroll during a slow winter renovation period.
Seafood bistro owner
Kitchen remodel and purchasing fresh inventory for summer.
Read our guide on merchant cash advance vs term loan for restaurants
Understanding the difference between a daily remittance advance and a fixed term loan can save you thousands in interest expenses over the life of your repayment.