Funding for restaurants, when cash flow cannot wait for the weekend rush.
Cover payroll, food cost, a kitchen repair, or a slow season with revenue-based funding approved on your card sales, not red tape.
- Approval based on revenue, not just credit
- No collateral, no application fees
- Repayment that flexes with your sales
- A funding partner walks you through your options
See your funding options
5-minute pre-qualify · no obligation · won’t affect your credit
Finder, not a lender
We match your request with funding partners — they decide terms
No obligation
Compare offers before you decide — nothing is required
~749k
US restaurants — the largest card-heavy small-biz pool
5 minutes
To pre-qualify — no documents to start
How it works
Funding in three simple steps
Tell us about your operation
Answer a few quick questions about your concept — full-service, QSR, bar, food truck, or multi-unit — your monthly card volume, how long you've been open, and what you need the funds for. No documents required at this stage, and checking your options won't affect your credit score.
A funding partner reviews your numbers
If your request fits a funding partner's program, we send it to that partner, who reviews it and walks you through any options. Most funders need your last three months of business bank statements and, if available, your card-processing statements — the same monthly POS batches you already reconcile. Your card volume is the primary factor in sizing an advance.
Funds arrive, repayment moves with your covers
If a funding partner extends an offer, they'll walk you through the amount, timeline, and terms directly — we don't set or promise any of those. Many MCA structures collect repayment as a small percentage of your daily card settlements, so a slow Tuesday after a quiet weekend can draw less than a packed Saturday night, unlike a fixed monthly payment that ignores how your restaurant actually runs.
Why business owners choose revenue-based funding
Card-split repayment fits daily revenue swings
Rather than a fixed loan payment that ignores whether it's a blizzard outside or a sold-out weekend, repayment comes as a share of your actual card batches. Slower service periods naturally produce smaller repayment amounts — by design.
Slow-season flexibility built in
January and February can quietly drain a restaurant's reserves even when the concept is healthy. Because repayment scales with card volume, the post-holiday dip doesn't collide with a fixed obligation — the advance breathes with your seasonal rhythm.
Fast access for equipment emergencies
A walk-in cooler that fails on a Friday night, a hood system that fails a fire inspection, or a POS system that crashes mid-service can't wait for a bank's multi-week approval process. MCA funding partners are built for speed — how fast any specific offer moves is theirs to quote once they have your bank statements.
Approval driven by deposits, not just FICO
Your card volume and bank deposit history typically carry more weight with MCA funders than your credit score alone. Approval odds and any minimum credit threshold are set by each funding partner, not by us — a funding partner can give you a realistic read once they see your statements.
Common questions
How does my card volume affect how much I can qualify for?
Card volume is the primary driver of advance size in restaurant MCA. Funders typically look at your average monthly card settlements — debit and credit card sales processed through your POS — over the past three to six months. A higher, more consistent monthly card volume generally supports a larger advance. Multi-unit operators who can aggregate card volume across locations often qualify for proportionally more than a single location with the same revenue mix.
Does repayment slow down in a slow season?
Yes — that's one of the structural differences between an MCA and a fixed-payment loan. Because repayment is collected as a percentage of your daily card settlements, a January slowdown or a soft stretch after a holiday rush produces smaller daily repayment amounts automatically. You're not locked into a fixed obligation that was sized for your busiest month.
My walk-in cooler broke down on a Friday. How fast can I actually get funded?
For a genuine emergency, speed depends on how quickly you can supply your most recent three months of business bank statements and any card-processing statements. We're a referral service, not a lender — once we match your request with a funding partner, that partner will tell you their own decision and funding timeline directly. Complete documents submitted promptly are the biggest lever you have over how fast that conversation happens.
My credit score isn't great. Can a restaurant still qualify?
Possibly. MCA funders generally weigh card volume and bank deposit history alongside credit score rather than relying on a FICO number alone. Minimum credit thresholds and approval decisions are set by each funding partner, not by us. A funding partner can give you a realistic read once it has seen your statements.
I have one location. Does MCA work differently for a multi-unit operator?
The mechanics are the same — an advance sized against your card volume, repaid as a share of card settlements — but multi-unit operators often qualify for larger advances because funders can look at aggregated card volume across locations. A single-location café might qualify for a smaller advance sized to its own monthly card sales, while an operator running three concepts in two markets may have a meaningfully higher qualifying ceiling. Some funders underwrite each location separately; others consider the operating entity's combined volume.
What documents will I need to move forward?
To pre-qualify, just the short form — no documents required at that stage. To finalize an offer, most restaurant funders ask for three months of business bank statements, three months of card-processing or POS batch reports (if available), a government-issued ID, and a voided business check. The funding partner will confirm exactly what applies to your situation. Some funders request a copy of your business license if the concept is newer.
Prefer to compare other lenders?
The form above is the fastest way to see your options — it reaches a funding partner directly. If you would rather shop around first, these independent lenders serve the same kind of business.
Bizcap
Same-day business funding for 1+ year old businesses with $20K+ monthly revenue
- Conditional offer with no obligation to accept
- Approval quoted within 3 hours, same-day funding possible
- Considers businesses with poor credit or existing financing
These are independent lenders, not part of ServiceWindow Capital. We may be paid a referral fee if you apply or are funded through one of these links, at no cost to you. Being listed here is not a recommendation, an offer of credit, or a guarantee of approval — terms, rates and eligibility are set entirely by the lender.
Ready to see what your business qualifies for?
It takes about five minutes, there’s no cost or obligation, and checking won’t affect your credit score.
Start my free pre-qualification →ServiceWindow Capital is a marketing and lead-referral service for business owners seeking commercial financing — not a lender or financial advisor. We connect you with third-party funding partners who independently review your information; we do not make credit decisions or guarantee funding. We may receive compensation from funding partners we refer you to. All financing is for business purposes only. Rates, fees, amounts, and terms vary by partner and your business profile, and any offer is subject to the partner's underwriting. Submitting a request places you under no obligation.