Revenue-based funding — also called a Merchant Cash Advance (MCA) — sized to your sales and repaid as a small share of daily or weekly deposits. Capital that arrives in days, not the 60 days a bank takes.
Same-day decisions · No impact to credit · $5K – $1M+
Qualification
Underwriting varies across our partner network, but most restaurant deals are evaluated against a similar set of signals.
At least 6 months in business — most partners prefer 12+
Monthly gross revenue of $10K+; $25K+ qualifies for stronger offers
Single-location and small multi-unit independents
Personal credit 500+ workable; 600+ widens the field
US-registered entity with active business checking
Steady weekly card-sales and ACH deposit pattern
If a deal doesn't fit one partner, we match to another. One application, many shots on goal.
Deal structure
Restaurant MCA deals in our network typically range from $10K to $250K, with the bulk landing between $25K and $150K. Factor rates usually run from 1.18 to 1.49 depending on credit, industry signals, and time in business.
Repayment is generally over 4 to 15 months via fixed daily or weekly ACH debits — sized to a level your average deposits can service comfortably. If your card processor integrates with the lender, split-funding (a percentage of card sales held back automatically) may be available as an alternative to ACH.
$10K – $250K
Typical funding range
3 – 15 mo
Term length
Daily ACH
Repayment style
Documents
Nothing to start a Virtual application — but once a partner is interested, expect to share the following at the underwriting stage.
Last 3 months of business bank statements
A voided business check
Driver's license or government-issued ID
Proof of business ownership (EIN letter, formation docs)
Recent merchant processing statements, if card-heavy
Other industries we serve
Ready when you are
One application. Multiple lenders. No impact to your credit score.