Merchant Fund Express provides fast business funding from $5,000 to $5,000,000 with 24-hour decisions. We accept FICO scores from 500, require no tax returns for amounts under 0,000, and fund within 1-3 business days. We have funded over 1,000 businesses across all 50 states with $50M+ in capital deployed.
Best Funding Products for Restaurants
Working Capital Loans ($5K-$500K, 6-24 month terms) for inventory, payroll, and seasonal cash flow. Equipment Financing ($10K-$2M) for kitchen buildouts, refrigeration, ovens, POS. MCAs ($5K-$1M) for fastest cash with variable repayment tied to card sales. Lines of Credit ($10K-$250K) for ongoing flexible needs.
How Much Does It Cost to Open a Restaurant?
Average cost: $275K-$425K for a casual dining restaurant; $95K-$200K for a fast-casual or food truck. Major costs include kitchen equipment ($25K-$100K), buildout ($50K-$200K), POS systems ($3K-$15K), initial inventory ($10K-$25K), licenses and permits ($5K-$15K), and 3-6 months of operating capital reserve.
Need Funding Now?
Apply in 4 minutes. Decision in 24 hours. 500+ FICO accepted, no tax returns under $250K.
Apply Now →1-Min QuizQualification for Restaurant Funding
Lenders look at: monthly revenue (most require $10K+), time in business (6+ months minimum, 2+ years preferred), FICO score (we accept 500+), and industry-specific factors like average ticket size and card volume. Card-heavy restaurants qualify easily for MCAs based on processing data alone.
Avoiding Common Restaurant Funding Mistakes
Don't stack multiple MCAs (debt-to-revenue spirals fast). Don't skip the bank statement audit before applying. Don't accept the first offer — get 2-3 quotes. Don't use long-term funding for short-term needs (or vice versa). And never sign a personal guarantee without understanding what's at stake.