Restaurant working capital & lending

Strong cash flow with seasonal swings; weekly revenue is the primary qualification metric. Most restaurants qualify for working capital advances based on POS deposits. Revenue-based underwriting available — businesses with strong monthly revenue qualify even when credit is imperfect.

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Common uses of capital in restaurant & food service

Equipment replacement (commercial kitchen, walk-in coolers, POS systems)
Build-out / remodel before lease renewal
Inventory pre-buys for Restaurant Week / catering season
Bridge cash flow during slow months (Q1 in most markets)
Marketing push around major holidays

Best-fit lending products for restaurant & food service

Working capital advance / MCA — fast funding, revenue-based underwriting matches the daily cash flow
Equipment financing — kitchen equipment + furniture as collateral
SBA 7(a) — for major build-outs (60-120 day timeline)

Seasonality & timing: Q4 (holidays) typically strongest; Q1 typically slowest. Apply for working capital in October-November to fund through Q1.
Qualification benchmark: Restaurants doing $30K+ monthly POS revenue qualify for meaningful working capital advances. $100K+ monthly opens up first-position deals at $150K-$300K.
Relevant NAICS codes: 722511, 722513, 722514, 722515

Other industries we work with

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