Restaurant Business Funding: Fast Capital for Food Service Businesses
Restaurants operate on thin margins, seasonal swings, and unpredictable cash flow. OneDay Capital's AI platform matches your restaurant to funding from 50+ funders — with same-day decisions based on your revenue, not just your credit score.
Get Pre-Approved Free →No credit impact · 5 min application · Same-day decisions
$5K–$5M+
Funding amounts
24–48 hrs
Time to fund
500+
Min. credit score
50+
Active funders
Restaurant Funding Options
One application shows you offers across all product types simultaneously.
Get capital based on your daily credit card sales. Repayment automatically adjusts with your volume — lower payments on slow days.
Lump sum deposit for specific needs. Fixed daily or weekly repayment over 3–24 months.
Finance kitchen equipment, POS systems, refrigeration, or build-out. The equipment serves as collateral — easier approval.
Revolving credit line — draw what you need, repay, draw again. Pay interest only on what you use.
Why Restaurants Are Ideal Candidates for Revenue-Based Funding
Restaurants generate predictable daily credit card and POS sales — exactly the kind of consistent transaction history that revenue-based funders use to underwrite. This makes restaurants some of the best-qualified businesses for merchant cash advances and working capital loans, regardless of personal credit score.
Common restaurant funding uses:
- Seasonal inventory buildup: Stock up before a busy season or holiday period
- Payroll gap coverage: Bridge cash flow during a slow month or ownership transition
- Kitchen equipment repair or replacement: Emergency equipment failures can't wait for SBA timelines
- Marketing and delivery platform expansion: Fund a campaign or integration with a measurable ROI
- Renovation or new location: Capture an opportunity before it passes
- Lease deposit or renewal: Meet landlord requirements for renewal or expansion
The MCA structure in particular is well-suited for restaurants: repayment scales with daily sales, so a slow Tuesday doesn't create a cash flow crisis the way a fixed ACH would.
Restaurant Funding Requirements
Monthly revenue
$10,000+ in gross deposits or card sales
Time in business
3+ months (6+ months preferred)
Credit score
500+ personal FICO (revenue is primary factor)
Documentation
3–6 months of bank/processor statements
Collateral
Not required for most products
Industry
All restaurant types: QSR, full-service, catering, food trucks
Get Restaurant Funding in 24–48 Hours
Apply in 5 minutes. OneDay Capital's AI platform matches your restaurant to offers from 50+ funders — no credit impact to check eligibility.
Get Pre-Approved Free →