Get $50K–$500K for Your Restaurant — Fast
Restaurants run on razor-thin margins. Get approved today, funded in 24–48 hours. No hard collateral. We cover equipment, payroll, inventory, and seasonal gaps.
- No hard collateral required
- Funding based on total monthly deposits
- Seasonal cash flow OK
- Funded in 24–48 Hours
What is restaurant funding and how does it work?
Restaurant funding is short-term working capital — typically from $10,000 to $500,000 — provided to food service businesses based on daily credit card sales and bank deposit history rather than traditional credit scores. Approvals take under 4 hours with no collateral required.
Why Restaurants Face Unique Funding Challenges
Restaurants are one of the hardest business types to finance through traditional banks. Thin margins (typically 3%–9% net), high staff turnover, seasonal volatility, and heavy reliance on perishable inventory make banks see restaurants as high-risk — regardless of how well-run the operation actually is.
The reality is that a restaurant doing consistent $80,000+ per month in gross sales has real cash flow — and real funding options. The key is working with a funding partner who understands the restaurant industry rather than applying the same rigid credit box used for every other business type.
MyCommercialFunding's team has placed capital for restaurants across every segment — from fast-casual and QSR to full-service dining, catering operations, and food truck fleets. We know what funders look for in a restaurant file, and we package your deal accordingly.
Traditional Bank vs. MyCommercialFunding
| Criteria | Traditional Bank | MyCommercialFunding |
|---|---|---|
| Credit Score Required | 680+ | 500+ |
| Time to Approval | 2–8 Weeks | Under 4 Hours |
| Collateral | Required | Not Required |
| Minimum Monthly Revenue | $25,000+ | $10,000+ |
| Funding Range | $50K–$500K | $10K–$500K |
Capital Designed for Restaurant Owners
Use funds for the exact needs your kitchen and dining room face every week.
Kitchen Equipment
Emergency repairs or upgrades to ovens, walk-in coolers, fryers, ice machines, or POS systems. Equipment downtime is lost revenue — get funded fast.
Inventory & Food Costs
Stock up for a big event, private dining season, summer tourist rush, or the holiday catering season without tapping personal funds.
Payroll Bridge
Ensure your kitchen and FOH staff are paid on time during January slumps, summer vacation gaps, or after an unexpected slow week.
Rent & Overhead
Cover commercial lease payments, utilities, delivery platform fees, and insurance premiums during slower revenue months.
Marketing & Growth
Launch a new menu, invest in social media advertising, update your delivery app profiles, or fund a grand opening event for a second location.
Renovations & Expansion
Add outdoor seating, renovate the bar area, build out a private dining room, or open a second location without waiting for a bank to say yes.
How Restaurant Cash Advance Works
A merchant cash advance for restaurants is a purchase of your future sales — not a loan. You receive a lump sum upfront and repay it as a small, fixed percentage of your daily or weekly gross deposits. On busy Saturday nights, you repay a bit more. On a slow Tuesday lunch, you repay less. The advance is complete when the total payback amount is fully collected.
- 1
Apply Online
Submit a one-page application with 4 months of business bank statements, your ID, and a voided check.
- 2
Same-Day Review
Your file is evaluated based on monthly gross deposits and transaction history — approval decisions in under 4 hours.
- 3
Review Your Offer
We present real offers with the factor rate, holdback percentage, and total payback clearly explained.
- 4
Sign & Get Funded
Capital is wired to your business bank account within 24–48 hours of agreement execution.
- 5
Repay as You Earn
A fixed percentage of daily or weekly gross sales is automatically remitted — no fixed monthly payment.
Restaurant Example
Advance Amount
$60,000
Factor Rate
1.35×
Total Payback
$81,000
Daily Holdback
10%
On a $6,000 daily sales day, $600 is remitted. On a slow $2,000 day, only $200. Average completion time at $80K/month revenue: approximately 8–12 months.
What Does a Restaurant Need to Qualify?
- Minimum 9 months operating (12+ months preferred for larger amounts)
- Average monthly gross sales of $15,000 or higher
- Credit scores starting at 500+ — revenue and bank activity are primary factors
- 4 months of business bank statements
- One-page application, government-issued ID, and voided business check
- No open, active bankruptcy proceedings (discharged bankruptcies considered)
Frequently Asked Questions About Restaurant Business Funding
"They really understood our seasonal business in Cape May. We got the funding we needed to survive the winter and expand our patio before the summer rush — without touching our home equity."
Marco D.
Trattoria Owner, New Jersey
Feed Your Restaurant's Growth Today
Same-day approvals. Funded in 24–48 hours. Revenue, not credit score, drives the decision.
Check My Qualification