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Working capital for restaurants

Card sales land in two days. The slow season lasts two months. We fund the difference.

Daily card settlements, weekly produce invoices, a walk-in that dies in July and a lease that renews in the slowest week of the year — restaurant cash flow is fast and thin. We size funding to the register, with remittance that eases when sales do.

Size a request to the register Situations we fund
  • Remittance as a share of card sales
  • Decisions in 24–48 hours from statements
  • Every cost in dollars before signing
Line drawing for restaurants: the kitchen line — range, hood, prep counter — and the pass with tickets on the rail
The restaurant cash cycle

Where the money is, and when it isn't.

  1. Every night

    Daily sales

    Card settlements land in 1–3 days; cash the same night; delivery apps weekly, less 15–30%.

  2. Every week

    Weekly invoices

    Produce, protein and dairy on 7-day terms; broadline on 14–30.

  3. Every two weeks

    Payroll

    Bi-weekly, tips reported, overtime in the busy weeks.

  4. Two months a year

    Seasonality

    Two slow months a year in most markets; the fixed costs do not slow with them.

  5. Any Friday night

    Equipment failures

    A walk-in compressor or a hood fan is $4,000–$15,000 on the day it fails.

Situations we fund

What restaurant owners come to us for.

Each one is sized to the location and the settlement schedule. The cases go into the numbers; the rest lead straight to a request.

How it works for restaurant

From the gap to funded, in four steps.

  1. 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.

  2. Same day

    Send statements and processor reports

    Bank and card-processor statements show the daily pattern a split remittance will follow.

  3. 24–48 hours

    Compare advance, lease and line in dollars

    Amount, total payback, remittance shape, APR-equivalent beside any factor rate.

  4. A business day after signing

    Fund and remit with the register

    Funding usually within a business day of signing; remittance follows card sales.

Worked examples

The numbers, in restaurant units.

Worked example 1

A $12,000 walk-in in the slowest month

A 70-seat neighborhood restaurant doing $95,000 a month in card sales, $68,000 in a slow January. The walk-in compressor fails; replacement is $12,400 installed. The HVAC company wants payment on completion.

The gap
Average monthly card sales$95,000
January card sales$68,000
Replacement, installed$12,400
Cash on hand after payroll$3,100
Gap to cover$9,300
The funding
Advance$12,500
Factor rate1.24 (≈ 106% APR-equivalent over 105 business days)
Total payback$15,500
Remittance8% of daily card settlements until delivered
Cost of the bridge$3,000

The bridge, day by day

  1. Friday night

    The walk-in fails

    $12,400 to replace, installed

  2. Day 3

    Funded

    $12,500 advance lands

  3. Day 4

    Walk-in replaced

    Paid on completion

  4. January–February

    Remittance follows the register

    8% of card sales; slow days remit less

  5. Month 5

    Remittance complete

    $15,500 delivered

What it costs, in dollars Illustrative · not an offer
OptionAmountFactor rateTotal paybackCostAPR-equivalentTerm
Advance sized to the gap8% of daily card settlements$12,5001.24$15,500$3,000≈ 106%105 business days
Equipment lease on the walk-inCheaper over three years; two weeks to approve$12,400——≈ $2,600≈ 13% APR36 months

APR-equivalent is the annual rate a loan would need to cost the same on this payment schedule, so a factor rate can be compared with a loan's APR. Your terms depend on deposits, time in business and open positions; every option you receive is quoted as total payback in dollars.

What the numbers say. Remitting as a share of card sales means January's slow days remit less and the busy spring finishes it. An equipment lease on the walk-in would be cheaper over three years, but takes two weeks to approve — the restaurant does not have two weeks without refrigeration.

What a partner looks at

What a file from a restaurant business needs to show.

Within restaurant

  • Full-service restaurants
  • Quick service & fast casual
  • Bars & breweries
  • Cafés & bakeries
  • Catering
  • Small groups (2–6 locations)

The four products, in one line each

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
Published minimums

A restaurant file that funds

Time in business
6+ months at the current location
Monthly card sales
$15,000+ (card volume is what split remittance follows)
Lease
At least 12 months left strengthens the file
Existing positions
One open advance is workable; stacking a third rarely is
Credit
500+ FICO considered; sales history weighs more

Close but not quite? Ask. Deposits and what is on its way matter more than any single line.

Check your fit
Glossary

The trade's words, and what they mean for funding.

Split remittance
A remittance taken as a percentage of card sales rather than a fixed daily amount.
Settlement
The card processor's deposit of a day's sales, net of fees, 1–3 days later.
Broadline
The large-distributor invoice on 14–30 day terms, as against produce and protein on 7.
Prime cost
Food plus labor as a share of sales — the number a partner reads first.
Questions restaurant owners ask

Plain answers before you talk to anyone.

What is a split remittance?

Instead of a fixed daily amount, the funder takes an agreed percentage of each day's card settlements (often 6–12%). Slow days remit less; busy days more. It fits restaurants because it follows the register.

Do delivery-app payouts count as revenue?

Yes — partners read the weekly app deposits as sales, net of the commission. Bring the app statements; the commission is a real cost and we show it in the numbers.

Can I fund equipment with an advance?

You can, but equipment financing or a lease is usually cheaper because the equipment secures it. An advance wins when the failure cannot wait for an approval.

Guides

Read before you sign.

All guides
small business loan for restaurants

Small Business Loan for Restaurants: Requirements and Real Costs

A small business loan for restaurants can come from a bank, the SBA, or an alternative lender. Here is what each requires and costs.

9 min read

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.

Size a request