Fuel Your Restaurant's Growth With Fast, Flexible Capital From $10K to $2M
Apply Now (305) 384-8391Funded to Restaurants
Fast Approval
Approval Rate
Running a restaurant is one of the most demanding businesses in America. Between rising food costs, seasonal fluctuations, staffing challenges, and the constant need to renovate and upgrade equipment, cash flow gaps are almost inevitable. At Merchant Fund Express, we specialize in providing fast, flexible funding solutions designed specifically for the unique needs of restaurant owners and operators.
Whether you own a fine dining establishment, a fast-casual chain, a food truck operation, or a family-owned pizzeria, our restaurant funding programs are built to keep your kitchen running, your staff paid, and your customers coming back for more. We understand the restaurant industry inside and out — from the razor-thin margins to the seasonal rushes — and we've structured our funding products to work with your revenue cycles, not against them.
Traditional banks often view restaurants as high-risk borrowers due to the industry's historically high failure rates and thin profit margins. A typical bank loan application for a restaurant can take 60-90 days, require extensive documentation, demand collateral, and still result in denial. Meanwhile, your walk-in cooler is breaking down, your lease renewal requires a build-out, or you need to hire and train staff before the summer rush.
Restaurant-specific funding from Merchant Fund Express eliminates these barriers. We look at your daily credit card sales, your revenue history, and your business trajectory — not just your credit score. This means we can approve restaurant owners who have been turned down by banks, and we can do it in as little as 24 hours.
The restaurant industry operates on speed. Your suppliers want payment within 30 days, your equipment breaks down without warning, and opportunities like prime real estate for a second location don't wait around. You need a funding partner that moves as fast as your business demands, and that's exactly what we deliver.
Purchase commercial ovens, refrigeration units, prep stations, POS systems, and other essential kitchen equipment. Upgrade aging equipment before it fails and disrupts service. Finance energy-efficient appliances that reduce long-term utility costs.
Refresh your dining room, expand your seating capacity, build out a patio or outdoor dining area, or complete a full restaurant renovation. First impressions matter in the restaurant business, and a modern, inviting space directly impacts revenue.
Stock up on ingredients, beverages, and supplies before peak seasons. Take advantage of bulk purchasing discounts from suppliers. Ensure you never run out of key menu items during busy periods.
Hire and train additional staff before seasonal rushes. Cover payroll during slow months when revenue dips. Invest in staff training programs that improve service quality and reduce turnover.
Launch targeted digital marketing campaigns, redesign your website, invest in food photography, sponsor local events, or expand your catering operation. Build brand awareness and drive more customers through your doors.
When your first location is thriving and the opportunity arises to open a second, you need capital fast. Our funding can cover lease deposits, build-out costs, initial inventory, and pre-opening marketing.
Get funded in as little as 24 hours. No obligation, no impact to your credit score.
Start Your ApplicationA family-owned Italian restaurant in Chicago had been operating successfully for 12 years but was turning away customers during peak hours due to limited seating. The owner identified an adjacent retail space that became available and wanted to expand. Banks quoted a 90-day process with uncertain approval. Merchant Fund Express provided $185,000 in working capital within 48 hours. The expansion added 60 seats, a private dining room, and a dedicated bar area. Within 8 months, the restaurant's monthly revenue increased by 47%, and the funding was fully repaid within 14 months.
An Austin-based food truck operator had one successful truck generating $35,000/month in revenue but saw an opportunity to scale to three trucks for the upcoming festival season. Traditional lenders wouldn't finance food trucks. MFE provided $120,000 through a revenue-based financing arrangement tied to daily card sales. The operator purchased two additional trucks, hired staff, and positioned all three trucks at major Austin events. Revenue tripled to $105,000/month within 4 months, and the operator has since expanded to five trucks.
| Feature | Merchant Fund Express | Traditional Banks | SBA Loans |
|---|---|---|---|
| Approval Speed | 24-48 Hours | 30-90 Days | 60-120 Days |
| Min. Credit Score | 500 | 680+ | 650+ |
| Documentation | Minimal (4 mo. statements) | Extensive | Very Extensive |
| Collateral Required | Not Required | Usually Required | Often Required |
| Funding Amount | $10K - $2M | $50K - $5M | $25K - $5M |
| Flexible Repayment | Yes - Multiple Options | Fixed Monthly | Fixed Monthly |
| Industry Expertise | Specialized | General | General |
Receive a lump sum based on your future credit card sales. Repayment is automatic and adjusts with your daily sales volume — you pay more when business is booming and less during slow periods. Perfect for restaurants with strong card transaction volume.
Apply NowFinance commercial kitchen equipment, POS systems, refrigeration units, and more with terms up to 60 months. The equipment itself serves as collateral, so approval is faster and credit requirements are more flexible.
Apply NowShort-term funding from $10,000 to $2,000,000 to cover any business expense. Use it for payroll, inventory, marketing, renovations, or anything else your restaurant needs. Funding in as fast as 24 hours.
Apply NowBorrow against your future revenue with flexible repayment that scales with your business. Ideal for restaurants with consistent monthly revenue that want predictable repayment without fixed monthly payments.
Apply NowAccess a revolving credit line that you can draw from whenever you need capital. Only pay interest on what you use. Perfect for managing cash flow gaps, seasonal inventory needs, or unexpected expenses.
Apply NowIf your restaurant has outstanding invoices from catering contracts, corporate events, or wholesale accounts, we can advance you up to 95% of those invoice values immediately. Get paid now instead of waiting 30-90 days.
Apply NowSpeak with a funding specialist today. No obligation, no impact on your credit score.