Restaurant & Food Services Funding

Fast, Flexible Funding for Restaurant Owners

Running a restaurant is unpredictable—between rising food costs, staffing issues, equipment breakdowns, and seasonal dips, access to working capital can make or break your business. That’s why more restaurant owners are turning to Merchant Cash Advances (MCAs) as a fast, flexible alternative to traditional loans. This FAQ is designed specifically for restaurant owners looking for quick, reliable financing.

What is a Merchant Cash Advance for restaurants?

A Merchant Cash Advance (MCA) is a financing option that gives your restaurant a lump sum of capital upfront in exchange for a percentage of your future daily or weekly revenue. Repayments are made automatically, based on your sales volume—making it a flexible option for food service businesses with variable income. Unlike a loan, there’s no interest rate or fixed monthly payment. Instead, you repay a set amount using a factor rate, and the payments adjust with your sales flow.

How does a Merchant Cash Advance work for restaurant businesses?

It’s simple:

• 1. You apply online and submit recent financials (usually bank statements and POS reports).
• 2. If you meet the minimum requirements (at least 1 year in business and $25,000 in monthly revenue), you can get approved within 24–48 hours.
• 3. Once approved, you receive the funds directly into your business account—often as quickly as the next day.
• 4. Repayments are automatically deducted from your credit card sales or business bank deposits.

This makes MCAs ideal for quick restaurant funding with no delays or complicated bank paperwork.

Why do restaurant owners choose a Merchant Cash Advance?

Restaurants love MCAs because they’re:

• Fast – Get funding in as little as 1 business day
• Flexible – Payments adjust with your daily sales volume
• Accessible – Approvals based on revenue, not credit alone
• No collateral required – No risk of losing equipment or property

They’re perfect for handling urgent expenses or seizing growth opportunities—like buying bulk inventory, replacing a broken freezer, expanding your space, or launching a new marketing campaign.

How does a Merchant Cash Advance work for restaurant businesses?

It’s simple:

• 1. You apply online and submit recent financials (usually bank statements and POS reports).
• 2. If you meet the minimum requirements (at least 1 year in business and $25,000 in monthly revenue), you can get approved within 24–48 hours.
• 3. Once approved, you receive the funds directly into your business account—often as quickly as the next day.
• 4. Repayments are automatically deducted from your credit card sales or business bank deposits.

This makes MCAs ideal for quick restaurant funding with no delays or complicated bank paperwork.

What are the qualifications for a restaurant to get a Merchant Cash Advance?

To qualify, your restaurant must meet these minimum requirements:

• At least 1 year in business
• At least $25,000 in monthly revenue
• Steady flow of credit card or bank deposits
• U.S.-based business

Even if you’ve been turned down by a bank, you may still qualify for an MCA. These are great for businesses looking for restaurant funding with less-than-perfect credit.

How much can my restaurant borrow with a Merchant Cash Advance?

Typical advance amounts range from $10,000 to $500,000, depending on your revenue, time in business, and average daily sales. The better your numbers, the more capital you can access—without the delays of traditional underwriting.

Are Merchant Cash Advances expensive? What is a factor rate?

MCAs use a factor rate instead of an interest rate. For example, a $50,000 advance with a 1.3 factor rate means you’ll repay $65,000 total. This repayment is split into small daily or weekly payments, automatically taken from your sales. While the cost is higher than traditional loans, the speed, ease, and flexibility make it worth it for many restaurants.

Can seasonal restaurants or businesses with fluctuating sales qualify?

Yes. In fact, MCAs are perfect for seasonal restaurants, food trucks, and bars because the payment structure automatically adjusts to your sales. You pay more during busy months and less during slow ones—helping you manage cash flow without stress.

How do I get started with a Merchant Cash Advance for my restaurant?

Getting started is easy:

• 1. Fill out a short online application
• 2. Upload recent bank or POS statements
• 3. Receive a quote within 24 hours
• 4. Get funds as soon as the next day