IndustriesRestaurants
Working Capital for Restaurants That Keeps the Line Moving
Cover payroll through a slow month, replace a walk-in cooler or open a second location, with an advisor who understands card-heavy businesses.
Use of funds
How Restaurant Owners Use Working Capital
Restaurants live on daily card and cash sales, which makes their cash flow easy to see and hard to plan. Same-day funding can suit card-heavy businesses because remittances are based on a share of receivables.
Payroll Through the Slow Season
Kitchen Equipment Repair or Replacement
Inventory and Supplier Prepayments
Renovation or a Second Location
Marketing a New Menu or Launch
Any Other Business Purpose
Your business
What We Understand About Your Business
Seasonal Swings
Revenue can dip for weeks. Plan funding around your slow season, not in the middle of it.
Equipment Can't Wait
When a cooler or range fails, every day closed costs revenue.
Thin Margins
Know the total cost before you sign, and make sure the numbers work for you.
Questions, Answered
Same-day business funding is fast working capital for businesses with steady revenue. We shop your request across a wide range of funders and walk you through their offers. Funders typically structure it as a purchase of a portion of your future receivables rather than a loan: the funder pays you upfront and receives an agreed percentage of your receivables as you collect them, without charging interest. Funding is subject to approval and timing varies: funds can arrive as soon as same day after approval and signing.
The cost is set by the funder you choose: it's the difference between what you receive and the total receivables sold, plus any fees in the funder's agreement. It depends on your business and the funder, so we don't publish rates. Because we work with a wide range of funders, we can compare offers with you; the cost is fixed when you sign and shown in writing, with the disclosure your state requires, before you commit. It usually costs more than a bank or SBA loan.
Usually your last 4 months of business bank statements, a government ID and a voided business check. Your advisor will tell you if anything else is needed.
Yes, restaurants, including seasonal ones, are welcome to apply. We look at your deposits over time and how your business runs to match you with the right lenders and funders, and your advisor can talk through timing around your busy and slow periods. Not every business qualifies.