Equipment, renovations, working capital, or seasonal cash flow — get the funds your restaurant needs, approved in as little as 24 hours without the bank run-around.
5-minute application | No obligation | Soft pull
Restaurant financing from Merchant Fund Express provides $10,000 to $500,000 for equipment purchases, kitchen renovations, working capital, and seasonal cash flow gaps. Three main products work for restaurants: Merchant Cash Advance (revenue-based, no fixed payments), Working Capital Loans (lump sum, 6–24 month terms), and Equipment Financing (secured by equipment, 24–60 months). Approved in 24 hours, credit scores from 500. Call (305) 384-8391 or apply online.
The restaurant industry runs on thin margins — typically 3–9% net profit. Equipment breaks. Seasons slow down. A new competitor opens across the street and you need to renovate. These aren't signs of failure — they're normal challenges for any food service business.
The problem is traditional banks require 2+ years of tax returns, 680+ credit scores, and 6–8 weeks to process. By the time a bank approves your kitchen equipment loan, your walk-in cooler has already cost you $30,000 in spoiled inventory.
Merchant Fund Express was built for business owners who need fast, flexible funding without the paperwork nightmare. Here's how we can help your restaurant.
A lump sum advance repaid through fixed daily or weekly ACH debits. No fixed payment — you pay back based on factor rate (1.1–1.5x). Best for restaurants with variable revenue and immediate needs.
Term-based business loan for any operational need: payroll, inventory, marketing, renovations. Fixed daily or weekly payments over 6–24 months.
Secured financing for commercial kitchen equipment. The equipment serves as collateral, enabling better rates and longer terms. Finance ovens, refrigerators, POS systems, and more.
Similar to MCA, but repaid as a fixed percentage of daily revenue (ACH debit). Payments flex with your sales volume, making it ideal for seasonal restaurants.
Walk-in cooler: $8K–$25K. Commercial oven: $5K–$30K. Dishwasher: $3K–$15K. Financing spreads the cost over 24–60 months so a $20K oven replacement becomes $400/month.
Interior refresh: $20K–$150K. Full remodel: $100K–$500K. Renovations increase covers and revenue. Finance it now, pay from increased revenue.
Bridge cash flow gaps between supplier payments and revenue. Buy in bulk to lock in lower food costs. Prepare for high-volume seasons (holidays, summer).
Cover payroll during slow seasons or while onboarding new staff for expansion. Don't lose good people to a temporary cash flow shortage.
New POS system ($5K–$20K), delivery app setup, website redesign, Google Ads campaigns. Technology investment pays for itself in increased revenue.
Opening a second location typically costs $100K–$300K. Use a combination of working capital and equipment financing to fund buildout without depleting reserves.
Italian bistro, 4 years in business, $60K/mo revenue
Problem: $18,000 walk-in cooler failed on Friday night. $8K in food at risk.
Solution: MCA of $25,000 at 1.2x factor rate
Total Repayment: $30,000 ($250/day for 120 days)
New equipment: Installed Monday morning
Crisis averted. Business kept running.
Seafood restaurant, Florida coast, $80K/mo peak, $30K/mo offseason
Problem: Jan–March revenue drops 60%. Payroll and rent still due.
Solution: Revenue Based Financing $50,000
Repayment: 8% of daily deposits
Slow month payment: ~$2,400/mo
Peak month payment: ~$6,400/mo
Payments scaled with their revenue.
Mexican restaurant, 7 years in business, $95K/mo revenue
Goal: $120,000 kitchen remodel to add 40% capacity
Solution: Equipment financing $80K + Working capital $40K
Equipment payment: $1,620/mo (60mo)
WC payment: $2,100/mo (24mo)
New revenue after remodel: +$38K/mo
Remodel paid for itself in 4 months.
| Product | Amount | Term | Speed | Credit Min | Best For |
|---|---|---|---|---|---|
| MCA | $5K–$500K | 3–18 months | Same day | 500+ | Emergency cash, seasonal gaps |
| Working Capital | $10K–$500K | 6–24 months | 24 hours | 580+ | Renovations, expansion |
| Equipment Financing | $10K–$500K | 24–60 months | 1–3 days | 550+ | Kitchen equipment |
| Revenue Based | $10K–$250K | 3–18 months | 24 hours | 500+ | Seasonal businesses |
| Line of Credit | $10K–$250K | 12–24 months | 2–3 days | 600+ | Ongoing operational needs |
Restaurants can borrow $10,000 to $500,000. MCA and working capital amounts are typically 1–2.5x monthly revenue.
Restaurants with 6+ months and $10K+/mo in revenue can qualify. Equipment financing (secured by equipment) is available for newer businesses.
For equipment: equipment financing. For seasonal gaps: MCA or revenue-based financing. For ongoing needs: line of credit. For major renovations: working capital loan.
Approved in 4–24 hours. Funds deposited within 24–48 hours. MCA can fund same-day for qualified applicants.
No. MCA and revenue-based financing qualify based on monthly revenue, not credit score. We accept scores from 500.
Yes. Working capital loans and revenue-based financing have no restrictions on use — renovations, marketing, payroll, inventory all qualify.
$10,000 to $500,000. Approved in 24 hours. No bank run-around.
Apply in 5 Minutes (305) 384-8391No obligation • Soft credit pull • BBB Accredited
Expertise: Our team includes certified funding specialists with years of experience helping businesses access capital.
Trust & Transparency: We're committed to transparent lending practices with no hidden fees or surprise terms.
Fast Approvals: Our streamlined process provides decisions within 24 hours in most cases.
Flexible Solutions: We work with you to customize funding solutions that match your specific business needs and cash flow.