Slow Tuesdays still owe the same daily debit as a packed Saturday. We buy out your restaurant's high-rate advance and refinance it into terms that flex with how restaurants actually earn.
Get Your Free MCA Payoff Quote → Call (305) 384-8391Restaurants live and die on thin margins, and a merchant cash advance with a heavy daily card-sales holdback can quietly eat every dollar of profit. When 12% to 20% of each day's card receipts is swept before you cover food cost, labor, and rent, even a busy dining room can feel like it is running on empty. Merchant Fund Express buys out high-factor-rate restaurant advances and refinances them into a single, more manageable payment structured around the realities of food service.
Most MCAs collect repayment as a holdback — a fixed percentage of your daily credit and debit card sales, often 12% to 20%, automatically swept by the funder. For a restaurant, that means the busier you are, the more they take, and on a slow weeknight the fixed factor-rate payback still grinds forward. A factor rate is a flat multiplier, not interest: a $40,000 advance at a 1.45 factor means you repay $58,000 total ($40,000 × 1.45) no matter how fast you pay. Paying it down quickly saves you nothing — the payback is locked. (Illustrative example of how factor rates and holdbacks work, not a quoted offer.) Restaurants also tend to stack advances during slow seasons, layering a second and third daily debit until the combined sweep swallows the cash needed for payroll and inventory.
Restaurant revenue is seasonal and cyclical — summer patios, holiday catering, dead January weeks. A rigid MCA does not care. The daily debit keeps pulling whether you served 300 covers or 30. Refinancing lets us restructure that obligation into a payment that fits your real cash-flow rhythm instead of fighting it. The goal is to keep enough of each day's sales in your account to actually operate, so a slow stretch does not snowball into a bounced ACH and a default.
It is four simple steps. First, send us your current MCA contract and three months of business bank statements. Second, we calculate your true effective rate, remaining balance, and the real daily/holdback drain on your restaurant. Third, we structure a buyout or consolidation that lowers your payment burden and pays your existing funder in full. Fourth, once approved we fund — often the same day — and you move onto better terms. Decisions come in 2-4 hours because we are a direct funder using our own capital, not a broker chain adding fees.
Full-service, quick-service, food trucks, bars, cafes, catering operations, and multi-location groups all use our buyout. Whether you take most sales on cards through a POS like Clover or run a mix of cash and card, we tailor the structure to your deposit history. We accept 500+ FICO and focus on your business cash flow, so the dip that hurt your personal credit during a tough season does not automatically disqualify you.
Plenty of "refinance" offers in the restaurant space are just another MCA at a higher factor rate paying off your old one. That is not relief — it is a deeper hole. As an honest, direct funder, we will tell you plainly whether a buyout actually lowers your cost or not. If refinancing helps, we move fast. If it does not, we say so. That is the difference between a trusted funder and a broker chasing a commission.
| Factor | Staying in Your Restaurant MCA | Refinance / Buyout With MFE |
|---|---|---|
| Daily card holdback | 12%-20% of every day's card sales swept | Restructured into one payment built for relief |
| Slow seasons | Fixed debit keeps pulling on dead nights | Structured around your real cash-flow rhythm |
| Stacked advances | Multiple funders each take a daily cut | Consolidated into a single manageable payment |
| Speed | Renewal pressure on funder's timeline | 2-4 hour decisions, same-day funding possible |
| Credit | Often opaque requirements | 500+ FICO accepted, cash-flow focused |
Yes. As a direct funder we pay off your existing high-factor-rate advance in full and refinance it into better terms with a lower daily burden, often the same day.
Yes. We restructure that holdback-style drain into a single more manageable payment so busy days are not punished and slow days do not trigger a cash crunch.
We accept 500+ FICO and focus on your restaurant's deposit history more than your personal score.
Decisions in 2-4 hours with your contract and three months of statements. Same-day funding is possible.
Yes. Combining stacked restaurant advances into one payment is one of the most common situations we solve.
For most requests under $250,000, no. Your MCA contract and three months of bank statements are typically enough.
Honest buyout & refinance from a direct funder. 2-4 hour decisions. 500+ FICO welcome.
Get Your Free MCA Payoff Quote →Or call (305) 384-8391