Question 1

Can you fund a restaurant with seasonal or variable revenue?

Accepted Answer

Yes. Seasonality and week-to-week variability are normal in food service, and our funding structure is built for it. Remittance is a percentage of actual revenue collected through ACH or a card settlement split, so it scales down during slow weeks and off-season stretches and up during busy periods. We underwrite based on revenue patterns rather than assuming steady monthly income. Approval depends on revenue patterns, time in business, deposit consistency, and other underwriting factors.

Question 2

Can I get funding to repair or replace restaurant equipment?

Accepted Answer

Yes. Equipment repair and replacement is one of the most common reasons restaurants seek funding. When a walk-in cooler, range, hood system, refrigeration unit, or POS system fails, service is disrupted and revenue suffers until it is fixed — making the repair urgent. We provide fast funding decisions for eligible applications. Funding can also cover planned equipment upgrades and kitchen build-outs. Approval depends on revenue patterns, time in business, and other underwriting factors.

Question 3

Can you fund restaurant renovations or a new location?

Accepted Answer

Yes. Dining room refreshes, kitchen renovations, and expansion to a second or third location are common funding scenarios. Expansion typically requires capital for build-out, equipment, opening inventory, and staffing through the ramp-up period before the new location is consistently profitable. Funding can bridge that gap. Approval depends on revenue patterns, time in business, deposit consistency, and other underwriting factors.

Question 4

Can you fund a restaurant that took COVID-era loans or has layered debt?

Accepted Answer

Yes. Many restaurants carry layered debt from SBA EIDL loans, PPP, or prior funding taken during 2020 to 2022, and traditional banks often struggle to evaluate those structures. We underwrite based on current revenue patterns and operational performance rather than credit score or debt history alone. An established restaurant with consistent revenue can be evaluated regardless of layered debt or credit issues from prior cycles. Approval depends on current revenue patterns, time in business, deposit consistency, existing financial obligations including position count, and other underwriting factors. Not all applicants qualify.

Question 5

Do you fund bars, breweries, catering companies, and food trucks?

Accepted Answer

Yes. We evaluate the full range of food service business types — full-service and fast-casual restaurants, bars and breweries, cafes, food halls, catering companies, and multi-location operators. We also fund food truck and mobile food businesses, which have a dedicated industry page. Revenue patterns and operational performance are the primary underwriting factors regardless of format. Approval depends on revenue patterns, time in business, deposit consistency, and other underwriting factors.

Question 6

How fast can a restaurant receive funding?

Accepted Answer

Eligible applications submitted with complete documentation typically receive a decision the same business day, with funding often available within 24 to 72 hours after underwriting is complete and a funding agreement is signed. Speed matters when an equipment failure is disrupting service or a renovation timeline is tight. Actual timing depends on documentation completeness, deal complexity, and banking processing times. Not all applications result in funding offers.

Question 7

What documents do I need to apply for restaurant funding?

Accepted Answer

A typical application requires recent business bank statements — often the last 3 to 6 months — and, because much restaurant revenue comes through cards, card processing statements can also be useful. Basic business information and identification are also needed. Because we underwrite primarily on revenue patterns and settlement strength, those financial records are the central documents. Complete, recent documentation is the biggest factor in a fast decision. Approval depends on revenue patterns, time in business, deposit consistency, and other underwriting factors.

Question 8

How much funding can a restaurant get?

Accepted Answer

Funding amounts depend on the restaurant's revenue. Restaurant funding deals commonly range from around $10,000 for smaller establishments covering an equipment or working capital need, up to $250,000 or more for established or multi-location operators funding renovation or expansion. The amount, remittance percentage, and term depend on revenue patterns, time in business, deposit consistency, existing financial obligations, and other underwriting factors. We typically evaluate restaurants generating $25,000 or more in monthly revenue.

Question 9

Can I get restaurant funding with bad credit?

Accepted Answer

Possibly. Our underwriting leads with revenue patterns and bank or card settlement strength rather than the credit score. An established restaurant with consistent revenue can be evaluated even with credit issues — common after difficult periods in the industry — that would trigger an automatic bank decline. Credit may be one factor among several, but it is not the deciding gate. Approval depends primarily on revenue patterns, time in business, deposit consistency, and other underwriting factors. Not all applicants qualify.

Question 10

Can a new restaurant get funding?

Accepted Answer

It can be more challenging. Most funding requires a minimum time in business — commonly around 6 months — with consistent revenue, because underwriting is based on demonstrated revenue patterns. A restaurant open only a few weeks typically does not yet have the track record to evaluate. A restaurant operating for 6 months or more with steady deposits is in a much stronger position. Approval depends on revenue patterns, time in business, deposit consistency, and other underwriting factors.

Question 11

Can I get restaurant funding if I already have a merchant cash advance?

Accepted Answer

It is sometimes possible, but it depends on the specifics. An existing advance — often called a position — is one of the factors evaluated in underwriting, and it affects both whether additional funding is available and on what terms. Some restaurants do carry more than one position, but stacking multiple advances increases the strain on cash flow and is not always advisable. The honest answer depends on your revenue, your existing obligations, and the details of the current advance. Approval depends on revenue patterns, time in business, existing financial obligations, and other underwriting factors.

Question 12

How does repayment work for restaurant funding?

Accepted Answer

Repayment, more accurately called remittance, is structured as a percentage of revenue rather than a fixed monthly loan payment. It is typically collected through ACH or a card settlement split on a daily or weekly basis. Because it is a percentage of revenue, the amount flexes with how the restaurant performs — lighter during slow weeks, larger during busy periods. This structure is designed to align with the uneven, seasonal revenue that is normal in food service. A merchant cash advance is not a loan; it is the purchase of future receivables.

Question 13

What can restaurant funding be used for?

Accepted Answer

Funding is general business capital and can be used for virtually any restaurant purpose — equipment purchase and repair, kitchen build-out, dining room renovation, a new location, payroll, inventory and pre-season preparation, marketing, or working capital through a slow season. There is no restriction tied to a specific use; what matters for approval is the revenue of the restaurant. Approval depends on revenue patterns, time in business, and other underwriting factors.

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