Reviewed nationwide, all 50 states

Restaurant business funding and cash advances, built around card sales

Restaurants collect at the point of sale, but payroll, food costs, and rent do not wait for a busy weekend. SmallByzLoans reviews restaurant business funding from $10,000 to $10,000,000, including restaurant cash advances, working capital, and equipment financing. Mid-600 credit is considered, and the short form runs a soft check only.

Check My Funding Options Call 888-572-6737

No cost to check Soft check only Bad credit considered

Form 05A, Restaurant~60 sec

Get your funding options

Tell us about your business. A funding specialist reviews your options and routes you to the full application.

Company website Business name*

First name*

Last name*

Mobile phone*

Email*

Requested amount*

Est. credit score*

Monthly revenue*

Time in business*

Funding purpose*

Your information is secure and never sold.

By submitting, you agree to be contacted about business funding options by phone or email. SMS text messages are sent only if you check the box above. Credit approval, terms, rates, and funding amounts are subject to lender underwriting. This is not a guarantee of approval.

$10K to $10MFunding range reviewed

Card Sales FundingBuilt for this industry

Soft check onlyNo hard pull to check options

Mid-600+Credit profiles considered

01The cash flow pattern

Why restaurant cash flow is different

Restaurants collect payment at the point of sale, but the bills do not follow the same rhythm. Card batches settle in a day or two and delivery-app payouts arrive weekly, while payroll runs every week or two, food costs hit weekly, and rent lands once a month.

Margins are thin, so one slow month, one equipment failure, or one large supplier invoice can throw the whole month off. Seasonality adds to it: a patio restaurant, a college-town cafe, and a beach-town seafood spot each have predictable slow stretches that payroll and rent ignore. That same daily card-sales stream is also what makes restaurants well suited to revenue based funding, because it gives underwriters a clear, frequent picture of the business.

02Card-sales patterns

How funders read restaurant card sales

For a restaurant, bank statements and card processing statements tell most of the story. Here is what underwriters look for.

Batch frequency and consistencyDaily card batches show an active business. Steady week-over-week totals matter more than one record Saturday.

Delivery-platform payoutsWeekly payouts from delivery apps are usually counted as revenue. Make sure they land in the same business account.

Cash salesCash that is deposited counts. Cash that never reaches the bank cannot be seen or counted.

Card tips paid out to staffTips collected on cards and paid out through payroll inflate deposits. Underwriters may adjust for them, so do not be surprised if your revenue is read slightly lower.

Weekly and seasonal shapeWeekend-heavy sales and seasonal dips are normal. Showing a full cycle, or explaining it, helps a reviewer size the right amount.

More detail: what underwriters look for in bank statements.

03Match the need

Which restaurant funding fits which need

Payroll, inventory, equipment, and slow seasons are different problems, and they usually call for different products.

Need	What it usually covers	Products that often fit	Why
Payroll	Covering a pay period during a slow stretch	Working capital loan, line of credit	Short, predictable gap; lower cost than an advance when you qualify
Inventory & food cost	Bulk buys, supplier discounts, holiday stock-up	Line of credit, working capital, short cash advance	Fast turnover can repay quickly; draw only what you need
Kitchen equipment	Ovens, hoods, walk-ins, fryers, POS systems	Equipment financing	The equipment is the collateral, which supports longer terms
Urgent repair	A walk-in or hood failure before the weekend	Restaurant cash advance, working capital	Speed matters most; a closed kitchen earns nothing
Slow season	January, summer, or off-season dips	Line of credit, split-of-card-sales advance	Payments that flex with sales, or a cushion drawn only when needed
Renovation or second location	Dining room refresh, patio, build-out	Term loan, SBA loan	Long-term investment needs a longer repayment schedule

General patterns, not recommendations for any specific business. A specialist matches your file to programs after reviewing it.

04Funding options

Restaurant business funding options

Restaurant cash advance (revenue based financing)Repayment tied to your daily card sales means payments flex down automatically in a slow month instead of staying fixed.

MCA application →

Working capitalBuilt for payroll, a supplier payment, or bridging a slow month, with a short, defined term.

Working capital →

Equipment financingOvens, walk-in coolers, fryers, and POS systems are financed against the equipment itself, which keeps the credit bar lower.

Equipment →

Line of creditDraw for inventory or payroll only when you need it, repay, and draw again.

Lines of credit →

Term and SBA loansRenovations and new locations, with fixed payments over a longer term for qualified files.

Term loans →

05Restaurant cash advance

How a restaurant cash advance works

A restaurant cash advance gives you a lump sum now in exchange for a fixed share of future card sales. With a true split, a set percentage of each card batch goes to the funder until the total payback is reached.

Example

$40,000 advance at a 1.30 factor

Total payback: $52,000
Cost of funding: $12,000
Holdback: 10% of card sales
Payment falls in slow months: Yes

The total payback is fixed; only the pace changes with sales.

How the holdback flexes

Monthly remittance at 10%

Busy month, $90,000 card sales: $9,000
Average month, $75,000: $7,500
Slow month, $55,000: $5,500
Payoff if every month were average: ~6.9 months

Before you accept

Compare the monthly remittance with your slowest recent month and your food and labor costs, not your best weekend. Ask whether the agreement is a true split of card sales or a fixed daily debit, and whether there is an early payoff discount.

Illustrative figures only, not an offer. See the merchant cash advance application page for requirements and timelines, or the MCA rates guide for more worked examples.

06Slow seasons

Planning funding around a slow season

Apply at the end of your strong season, not in the middle of the slump. Underwriters read your last 3 to 4 months of statements.
Size the request to the gap: the difference between slow-month costs and slow-month sales, times the number of slow months.
Set up a line of credit before you need it, when your statements look their best.
Prefer payments that flex with sales if the slow season is deep, and avoid fixed daily debits that ignore it.
Avoid stacking advances to get through a slump; see funding with an existing MCA if you already carry one.

07Who qualifies

Who qualifies

6+ months serving customers for most programs; newer locations are reviewed, often through equipment financing
$15,000+ in monthly revenue (card sales plus deposits) opens most revenue based options
Mid-600 credit score, or a profile that is improving, considered alongside revenue
Business bank account with clean recent activity and 3 to 4 months of statements ready
No hard credit check to review options; the short form runs a soft check only

Requirements vary by lender and meeting them does not guarantee approval. See the document checklist to prepare.

08How to apply

How to apply

Submit the 60-second form

Revenue, credit range, requested amount, and funding purpose. No documents required to start.

A funding specialist reviews your file

Matched against the programs that fit your business.

Complete the full application

Review your rate and terms before you sign, then receive funds.

Start My 60-Second Form

09Ready when you are

Your Kitchen Cannot Wait on a Bank's Timeline

Start with the 60-second form. No documents, no hard credit check, no cost to check your options.

Check My Funding Options Call 888-572-6737

10Questions

Frequently asked questions

Q01What is a restaurant cash advance?

A restaurant cash advance is a merchant cash advance for restaurants: a lump sum repaid from a fixed share of future card sales or through fixed daily or weekly debits. The cost is set by a factor rate, for example $40,000 × 1.30 = $52,000 total payback.

Q02Is a restaurant cash advance better than a loan?

Not always. A cash advance is usually faster and easier to qualify for, and a split structure flexes with sales, but it usually costs more. If you qualify for a working capital or term loan and can wait a little longer, it is often cheaper.

Q03What documents do restaurants need for funding?

Usually 3 to 4 months of business bank statements, a photo ID, and a voided business check. Card processing statements may be requested for a split-of-sales cash advance.

Q04Can I get a restaurant loan with bad credit?

Often, yes. Because repayment on several of these programs is tied to daily card sales rather than a fixed schedule, providers weigh revenue heavily. Mid-600 profiles are commonly considered.

Q05What can restaurant financing be used for?

Common uses include payroll, kitchen equipment, renovations, inventory, and bridging a slow season. The short form asks for your funding purpose so a specialist can match you to the right program.

Q06Is there a restaurant loan with no credit check?

The short form runs a soft check only, so checking your options does not affect your credit score. No credit check marketing usually means no hard pull at this stage, not that a lender skips reviewing your file before funding.

Q07Can a new restaurant qualify?

Newer restaurants are reviewed, though a longer operating history strengthens most offers. Equipment financing is often the most accessible option for a newer location since the equipment itself is the collateral.

Q08What is the fastest restaurant funding option?

Revenue based financing is typically the fastest since it is underwritten primarily on your card sales and bank deposits rather than a lengthy financial history.

Q09Is restaurant funding available near me?

SmallByzLoans reviews requests in all 50 states, so there is no local office required. Wherever your restaurant is located, the same 60-second form starts the review.

Financial disclaimer: This page is for general informational purposes and does not constitute financial, legal, or tax advice. Rates, terms, and underwriting standards vary by lender and are not set by SmallByzLoans. Speak with a qualified financial professional before signing. Credit approval is subject to lender standards, and actual terms, rates, and funding amounts vary by applicant and lender.