How funding works for restaurant
Four steps from a gap to money in the account, in the order they happen for restaurant owners. Nothing here is a credit pull until you choose an offer.
- 3 minutes
Tell us the gap and the sales
What failed or what is coming, and roughly what the register does in a month. Three minutes, no credit pull.
- Same day
Send statements and processor reports
Bank and card-processor statements show the daily pattern a split remittance will follow.
- 24–48 hours
Compare advance, lease and line in dollars
Amount, total payback, remittance shape, APR-equivalent beside any factor rate.
- A business day after signing
Fund and remit with the register
Funding usually within a business day of signing; remittance follows card sales.
What we ask for, what you get back, what we say no to.
What we ask for
Three months of business bank statements, and whatever shows the money on its way — a lease, a vendor invoice, a schedule. Tax returns are not needed to start.
What you get back
Every option as amount, total payback, remittance schedule and prepayment terms, with the APR-equivalent beside any factor rate. If a partner will not put it in writing, we do not place the deal.
What we will say no to
A second advance on the same deposits to cover the first, a remittance that outruns the settlement schedule, or funding an amount the location cannot carry. We say so, and what would change the answer.
The restaurant cash cycle, and where funding sits in it.
- Every night
Daily sales
Card settlements land in 1–3 days; cash the same night; delivery apps weekly, less 15–30%.
- Every week
Weekly invoices
Produce, protein and dairy on 7-day terms; broadline on 14–30.
- Every two weeks
Payroll
Bi-weekly, tips reported, overtime in the busy weeks.
- Two months a year
Seasonality
Two slow months a year in most markets; the fixed costs do not slow with them.
- Any Friday night
Equipment failures
A walk-in compressor or a hood fan is $4,000–$15,000 on the day it fails.
Four tools. The location decides which.
- Merchant cash advance
A purchase of a fixed amount of future receivables, remitted daily or weekly. Fast, sized to the settlement, and worth understanding fully before you take it.
Funding in 1–3 days- Revenue-based financing
Remitted as a percentage of revenue, so slow weeks remit less. Suits seasonal trades and lumpy receivables.
Up to 12–18 months- Equipment financing
The equipment secures the financing, which usually means lower cost and longer terms than unsecured capital.
Terms of 2–7 years- Business line of credit
Draw what you need when the gap opens and pay for what you use. The right tool for a recurring gap, not a one-off.
Revolving
Bring us the location. We'll bring the numbers.
Start with the amount and the date it is needed. No obligation, no credit pull to begin.